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Car Insurance Part 4: Collision coverage

GasBuddy Blog -- Perhaps one of the most widely known parts of your insurance policy is the collision coverage.

Collision is part of you policy if you so choose to have coverage. Collision protects and pays you when your vehicle takes damage in a collision. However, coverage and payment depends on the amount of coverage and your deductible. Generally, the lower the deductible, the more expensive the insurance. This is because there is an increased likelihood of claims. Most people that carry collision coverage have deductibles of $1500 or less.

Another important factor is the type of collision coverage you have. There are three different forms of collision: broad collision, standard, and limited. Broad collision is the highest form of...

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Submitted Aug 23, 2010 By: PD

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chamaco170 Rookie Author Dallas Posts:31 Points:35,875 Joined:Mar 2011	Message Posted: Mar 20, 2011 10:32:32 AM Ignore chamaco170 Report Abuse I want to be on the safe side.. In texas, if you dont have insurance you are in serioustrouble..liability should notbe an option.. Full coverage is the best choice..
Jmkinsey1984 Champion Author Fort Wayne Posts:1,316 Points:312,335 Joined:Mar 2011	Message Posted: Mar 6, 2011 12:47:49 PM Ignore Jmkinsey1984 Report Abuse we have collision coverage on a 2002 and 2001 but not on a 1996.
babygirlNC Sophomore Author North Carolina Posts:156 Points:48,815 Joined:Jan 2011	Message Posted: Feb 16, 2011 8:50:28 AM Ignore babygirlNC Report Abuse I think you should be rewared for not having a accident.......
madmax9813 Veteran Author New Jersey Posts:323 Points:69,620 Joined:Jan 2010	Message Posted: Feb 5, 2011 2:06:46 AM Ignore madmax9813 Report Abuse i think there should be a sliding scale of some sort, ie if you have never had an accident, then you should get an option to have insurance or not
csh7586 Champion Author Wilmington Posts:2,606 Points:391,285 Joined:Dec 2010	Message Posted: Jan 25, 2011 3:45:50 AM Ignore csh7586 Report Abuse I even have collision coverage on my daughter's '97 Camry that has over 230000 miles on it.
GLM4205 Champion Author Toledo Posts:1,880 Points:369,400 Joined:Dec 2010	Message Posted: Jan 5, 2011 6:28:18 AM Ignore GLM4205 Report Abuse I think collision coverage is important if you have car a tleast five years old or new. It costs a bundle of money to get your car fixed without it.
mrblkdetroit Rookie Author Detroit Posts:55 Points:96,255 Joined:Oct 2006	Message Posted: Jan 2, 2011 7:46:06 PM Ignore mrblkdetroit Report Abuse i wish i could say it doesn't matter what you have, it's all a rip off! Oh! wait i can say that, because if you go years with no accident what do you get?
SoccergirlCA Rookie Author Bakersfield Posts:2 Points:8,400 Joined:Dec 2010	Message Posted: Jan 2, 2011 3:06:54 AM Ignore SoccergirlCA Report Abuse Hi Everyone!
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:02:00 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:01:52 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:01:46 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:01:35 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:01:24 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:01:18 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:00:55 PM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,664 Points:1,965,145 Joined:Jan 2006	Message Posted: Jan 1, 2011 9:00:46 PM Ignore ozdehill Report Abuse Z
honda0105 Champion Author Tallahassee Posts:15,279 Points:1,144,250 Joined:Nov 2008	Message Posted: Aug 25, 2010 1:07:48 AM Ignore honda0105 Report Abuse kyrunner: in today's hedonistic world insurance is a nuisance that takes time away from texting (sexting) and twittering. The mentality is "just get me what I need, I don't care what it is called or what it does... Oh and make it the cheapest option!"
honda0105 Champion Author Tallahassee Posts:15,279 Points:1,144,250 Joined:Nov 2008	Message Posted: Aug 25, 2010 1:03:39 AM Ignore honda0105 Report Abuse depending on age of car, some insurance is totally useless b/c you pay more in the long run than you get back when the vehicle is damaged / totalled.
RogerB Champion Author Indianapolis Posts:15,247 Points:2,164,995 Joined:Dec 2005	Message Posted: Aug 24, 2010 7:13:50 PM Ignore RogerB Report Abuse doing online insurance quote requests, I haven't any options like that for collision.
jwalkerh Champion Author Louisiana Posts:4,324 Points:1,011,955 Joined:Oct 2008	Message Posted: Aug 24, 2010 3:13:44 PM Ignore jwalkerh Report Abuse I didn't realize there are three kinds of collison coverage, thanks again.
remay Champion Author Houston Posts:4,711 Points:1,657,745 Joined:May 2006	Message Posted: Aug 24, 2010 4:00:12 AM Ignore remay Report Abuse In doing online insurance quote requests, I haven't any options like that for collision.
Amplion Champion Author Oregon Posts:4,249 Points:1,399,510 Joined:Sep 2005	Message Posted: Aug 23, 2010 10:58:29 PM Ignore Amplion Report Abuse WHERE YOU LIVE WILL GREATLY INFLUENCE YOUR PREMIUMS AND ALSO WHO YOU GET FOR AN ADJUSTER WHEN YOU NEED ONE !
jimgraham Champion Author Akron Posts:7,976 Points:1,515,220 Joined:Oct 2007	Message Posted: Aug 23, 2010 9:21:10 PM Ignore jimgraham Report Abuse >> With limited collision, your insurance will only pay for a claim if you are not at fault, and even then, you must pay the deductible. << Around here we call that uninsured motorist insurance.
genef01 Champion Author Nashville Posts:2,611 Points:834,680 Joined:Jul 2008	Message Posted: Aug 23, 2010 8:48:44 PM Ignore genef01 Report Abuse Thank you Patrick for another informative article that everyone should read.
TBONE3 Champion Author Pennsylvania Posts:6,398 Points:1,512,695 Joined:Mar 2005	Message Posted: Aug 23, 2010 7:55:02 PM Ignore TBONE3 Report Abuse Vert good and informative article. As a matter of fact all have contained beneficial information.
tedjm1 Champion Author New York Posts:3,550 Points:391,635 Joined:Dec 2006	Message Posted: Aug 23, 2010 7:27:45 PM Ignore tedjm1 Report Abuse I know about Collision & when to cut down. Lot of drivers do not carry this.
Aserdaten Champion Author Florida Posts:2,213 Points:1,610,440 Joined:Apr 2006	Message Posted: Aug 23, 2010 7:27:10 PM Ignore Aserdaten Report Abuse When I lived in suburban Philadelphia, I learned that the same situation occurs in that city that Quick68 mentioned - or at least it did back around 1990 before moving to Florida. I was surprised to learn about the three types of collision coverage. I might have heard it mentioned many years ago, but recently the term never came up with my insurer, Allstate. Interesting.
outlaw329 Champion Author Austin Posts:5,289 Points:933,370 Joined:Aug 2008	Message Posted: Aug 23, 2010 7:26:04 PM Ignore outlaw329 Report Abuse Quick68, if you think they do not carry insurance in Columbus you might take a look down here in Texas with the flood we have from across the border!
Quick68 Champion Author Columbus Posts:4,854 Points:760,850 Joined:Dec 2009	Message Posted: Aug 23, 2010 7:20:49 PM Ignore Quick68 Report Abuse With the people around here they don’t even carry a driver’s license let alone insurance.
PaylessKY Champion Author Kentucky Posts:6,120 Points:1,125,425 Joined:Oct 2008	Message Posted: Aug 23, 2010 7:20:27 PM Ignore PaylessKY Report Abuse I did not know about the different types of collision coverage. I did know the higher your deductible the lower the premium.
Road-Runner Champion Author Denver Posts:6,050 Points:1,702,695 Joined:May 2004	Message Posted: Aug 23, 2010 7:18:41 PM Ignore Road-Runner Report Abuse Gap coverage? I've never heard of it until now. (Maybe because I always buy a used car.) Good idea.
Blue_Cruzer Champion Author Lexington Posts:5,162 Points:1,204,675 Joined:Mar 2007	Message Posted: Aug 23, 2010 7:13:16 PM Ignore Blue_Cruzer Report Abuse Sad to say but around here, quit a few people are driving without insurance or a driving license.
dirt girl Champion Author Twin Cities Posts:33,177 Points:2,622,000 Joined:Oct 2004	Message Posted: Aug 23, 2010 7:12:40 PM Ignore dirt girl Report Abuse Collision is so inexpensive (usually less than $10 a month). It's really worth it to let the insurance company hunt down those who get in accidents and don't have insurance or leave the scene of the accident.
NotmeuQc Champion Author Montreal Posts:3,315 Points:669,920 Joined:Apr 2009	Message Posted: Aug 23, 2010 7:12:30 PM Ignore NotmeuQc Report Abuse Very good information, but not related to gas prices.
Buddy2264 Champion Author Tampa Posts:9,268 Points:1,895,490 Joined:Oct 2005	Message Posted: Aug 23, 2010 7:12:15 PM Ignore Buddy2264 Report Abuse All I know is that I keep paying for insurance of all types all these years and never have a claim. I wish I had the money back. Conservation keeps your money in your pocket.
kyrunner Champion Author Lexington Posts:6,605 Points:1,234,365 Joined:Aug 2008	Message Posted: Aug 23, 2010 7:06:30 PM Ignore kyrunner Report Abuse I can't believe anyone that owns a car doesn't already understand this basic insurance information!
joel27nc Champion Author Raleigh Posts:8,167 Points:1,394,395 Joined:Mar 2008	Message Posted: Aug 23, 2010 7:04:03 PM Ignore joel27nc Report Abuse Guess insurance got some thing to do with gas and crude prices?
rxman1 Champion Author Toledo Posts:7,012 Points:1,399,220 Joined:Nov 2007	Message Posted: Aug 23, 2010 7:02:48 PM Ignore rxman1 Report Abuse Read this even if you think you know it.
SBlouch Champion Author San Antonio Posts:6,902 Points:1,473,805 Joined:Apr 2007	Message Posted: Aug 23, 2010 6:59:29 PM Ignore SBlouch Report Abuse Again this is very informative and an excellent review of what collision coverage is in an insurance policy.
us4usa Champion Author Missouri Posts:3,837 Points:682,375 Joined:May 2008	Message Posted: Aug 23, 2010 6:53:30 PM Ignore us4usa Report Abuse I guess this article is related to gas prices because after your collision you may stop using gas for some time and you may pick your next vehicle with better gas mileage. But then again what if you have a collision in a EV which gas is not used?????
Ken2OD Champion Author Grand Rapids Posts:6,688 Points:1,509,025 Joined:Dec 2005	Message Posted: Aug 23, 2010 6:48:39 PM Ignore Ken2OD Report Abuse These articles are certainly timely for me. An 18-yr old boy ran into my right front fender last Saturday on his bicycle. He came at me from the rear on my blind side and I didn't see him until he hit the car. He suffered a minor injury to his left ankle and they had to take him to the hospital. My fender was dented and his front fork punctured the sidewall of my tire. Because my tire was flat, a wrecker had to lift my car off his twisted front wheel. What looked like minor superficial damage to my fender actually was estimated this morning at $1198.50. Wow! I am still waiting to see the police report to find out the boy's identity. He had trouble speaking English and the fire-rescue people and ambulance EMT's had trouble getting his identity. I think he had a Green Card with him. The police officer taking the report tried to explain to the boy that he was at fault and was supposed to walking his bike across the street and not racing down the driveway.
GasitupJB Champion Author Columbia Posts:3,771 Points:572,255 Joined:Sep 2005	Message Posted: Aug 23, 2010 6:46:51 PM Ignore GasitupJB Report Abuse I agree. this is very imnformative.
Bleeder Champion Author Virginia Posts:6,143 Points:1,270,680 Joined:Jan 2008	Message Posted: Aug 23, 2010 6:42:16 PM Ignore Bleeder Report Abuse I like this series.
judgemobile Champion Author Ohio Posts:5,260 Points:1,986,170 Joined:Nov 2005	Message Posted: Aug 23, 2010 6:39:19 PM Ignore judgemobile Report Abuse wonderful info but NOT RELATED to gas prices.
Romey08 Champion Author Virginia Posts:4,242 Points:1,026,300 Joined:Apr 2008	Message Posted: Aug 23, 2010 6:35:16 PM Ignore Romey08 Report Abuse good basic information
mstearno Champion Author Dayton Posts:5,877 Points:1,288,235 Joined:Jan 2008	Message Posted: Aug 23, 2010 6:28:39 PM Ignore mstearno Report Abuse ok but nothing new to the truly informed out here
lightbulbman2008 Champion Author Worcester Posts:188,200 Points:1,122,125 Joined:Oct 2008	Message Posted: Aug 23, 2010 6:27:21 PM Ignore lightbulbman2008 Report Abuse very interesting all 4 parts.
mmene Champion Author Houston Posts:4,347 Points:938,970 Joined:May 2008	Message Posted: Aug 23, 2010 6:19:31 PM Ignore mmene Report Abuse Not much new stuff but still these are informative articles.
Bus561 Champion Author Lexington Posts:14,086 Points:2,755,055 Joined:May 2004	Message Posted: Aug 23, 2010 6:18:49 PM Ignore Bus561 Report Abuse So, anyone that has collision insurance knows this.
coughlin Champion Author San Jose Posts:3,346 Points:757,100 Joined:Sep 2009	Message Posted: Aug 23, 2010 6:18:19 PM Ignore coughlin Report Abuse These are GREAT articles.