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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 1:32:32 PM 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:1,311 Points:310,610 Joined:Mar 2011	Message Posted: Mar 6, 2011 3:47:49 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 11:50:28 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 5:06:46 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:2,595 Points:389,535 Joined:Dec 2010	Message Posted: Jan 25, 2011 6:45:50 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:1,865 Points:366,375 Joined:Dec 2010	Message Posted: Jan 5, 2011 9:28:18 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 10:46:06 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 6:06:54 AM Ignore SoccergirlCA Report Abuse Hi Everyone!
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:02:00 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:01:52 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:01:46 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:01:35 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:01:24 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:01:18 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:00:55 AM Ignore ozdehill Report Abuse Z
ozdehill Champion Author North Carolina Posts:9,659 Points:1,964,170 Joined:Jan 2006	Message Posted: Jan 2, 2011 12:00:46 AM Ignore ozdehill Report Abuse Z
honda0105 Champion Author Tallahassee Posts:15,266 Points:1,142,300 Joined:Nov 2008	Message Posted: Aug 25, 2010 4:07:48 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:15,266 Points:1,142,300 Joined:Nov 2008	Message Posted: Aug 25, 2010 4:03:39 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:15,237 Points:2,163,045 Joined:Dec 2005	Message Posted: Aug 24, 2010 10:13:50 PM Ignore RogerB Report Abuse doing online insurance quote requests, I haven't any options like that for collision.
jwalkerh Champion Author Louisiana Posts:4,313 Points:1,009,905 Joined:Oct 2008	Message Posted: Aug 24, 2010 6:13:44 PM Ignore jwalkerh Report Abuse I didn't realize there are three kinds of collison coverage, thanks again.
remay Champion Author Houston Posts:4,696 Points:1,654,720 Joined:May 2006	Message Posted: Aug 24, 2010 7:00:12 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:4,237 Points:1,398,310 Joined:Sep 2005	Message Posted: Aug 24, 2010 1:58:29 AM 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:7,960 Points:1,513,070 Joined:Oct 2007	Message Posted: Aug 24, 2010 12:21:10 AM 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 11:48:44 PM Ignore genef01 Report Abuse Thank you Patrick for another informative article that everyone should read.
TBONE3 Champion Author Pennsylvania Posts:6,388 Points:1,510,745 Joined:Mar 2005	Message Posted: Aug 23, 2010 10:55:02 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:3,540 Points:389,685 Joined:Dec 2006	Message Posted: Aug 23, 2010 10:27:45 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:2,209 Points:1,608,610 Joined:Apr 2006	Message Posted: Aug 23, 2010 10:27:10 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:5,279 Points:931,320 Joined:Aug 2008	Message Posted: Aug 23, 2010 10:26:04 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:4,837 Points:758,900 Joined:Dec 2009	Message Posted: Aug 23, 2010 10:20:49 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:6,105 Points:1,123,475 Joined:Oct 2008	Message Posted: Aug 23, 2010 10:20:27 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:6,045 Points:1,701,720 Joined:May 2004	Message Posted: Aug 23, 2010 10:18:41 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:5,152 Points:1,202,725 Joined:Mar 2007	Message Posted: Aug 23, 2010 10:13:16 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:33,165 Points:2,620,155 Joined:Oct 2004	Message Posted: Aug 23, 2010 10:12:40 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:3,310 Points:668,945 Joined:Apr 2009	Message Posted: Aug 23, 2010 10:12:30 PM Ignore NotmeuQc Report Abuse Very good information, but not related to gas prices.
Buddy2264 Champion Author Tampa Posts:9,258 Points:1,893,540 Joined:Oct 2005	Message Posted: Aug 23, 2010 10:12:15 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:6,593 Points:1,232,415 Joined:Aug 2008	Message Posted: Aug 23, 2010 10:06:30 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:8,157 Points:1,392,445 Joined:Mar 2008	Message Posted: Aug 23, 2010 10:04:03 PM Ignore joel27nc Report Abuse Guess insurance got some thing to do with gas and crude prices?
rxman1 Champion Author Toledo Posts:7,001 Points:1,397,270 Joined:Nov 2007	Message Posted: Aug 23, 2010 10:02:48 PM Ignore rxman1 Report Abuse Read this even if you think you know it.
SBlouch Champion Author San Antonio Posts:6,891 Points:1,471,855 Joined:Apr 2007	Message Posted: Aug 23, 2010 9:59:29 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:3,820 Points:680,225 Joined:May 2008	Message Posted: Aug 23, 2010 9:53:30 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:6,678 Points:1,507,075 Joined:Dec 2005	Message Posted: Aug 23, 2010 9:48:39 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 9:46:51 PM Ignore GasitupJB Report Abuse I agree. this is very imnformative.
Bleeder Champion Author Virginia Posts:6,138 Points:1,269,705 Joined:Jan 2008	Message Posted: Aug 23, 2010 9:42:16 PM Ignore Bleeder Report Abuse I like this series.
judgemobile Champion Author Ohio Posts:5,245 Points:1,983,145 Joined:Nov 2005	Message Posted: Aug 23, 2010 9:39:19 PM Ignore judgemobile Report Abuse wonderful info but NOT RELATED to gas prices.
Romey08 Champion Author Virginia Posts:4,232 Points:1,024,250 Joined:Apr 2008	Message Posted: Aug 23, 2010 9:35:16 PM Ignore Romey08 Report Abuse good basic information
mstearno Champion Author Dayton Posts:5,867 Points:1,286,185 Joined:Jan 2008	Message Posted: Aug 23, 2010 9:28:39 PM Ignore mstearno Report Abuse ok but nothing new to the truly informed out here
lightbulbman2008 Champion Author Worcester Posts:187,025 Points:1,120,175 Joined:Oct 2008	Message Posted: Aug 23, 2010 9:27:21 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 9:19:31 PM Ignore mmene Report Abuse Not much new stuff but still these are informative articles.
Bus561 Champion Author Lexington Posts:14,076 Points:2,753,105 Joined:May 2004	Message Posted: Aug 23, 2010 9:18:49 PM Ignore Bus561 Report Abuse So, anyone that has collision insurance knows this.
coughlin Champion Author San Jose Posts:3,336 Points:755,050 Joined:Sep 2009	Message Posted: Aug 23, 2010 9:18:19 PM Ignore coughlin Report Abuse These are GREAT articles.