What Is Collision Car Insurance Coverage?

Collision Car Insurance covers the cost to repair or replace your vehicle after it’s damaged in a crash—regardless of who’s at fault. Whether you hit another car, back into a pole, or slide into a guardrail during bad weather, Collision Coverage helps pay for repairs so you can get back on the road quickly and safely.

This protection is especially valuable if your car is financed or leased, as lenders often require it. Even for fully owned vehicles, Collision Coverage can save you from paying thousands in unexpected repair bills after an accident.

By combining Collision Coverage with Comprehensive and Liability Insurance, you create a complete personal auto policy that protects you, your passengers, and your vehicle from both on-road and off-road risks.

WHY BUSINESSES CHOOSE CASEY INSURANCE

1. Quick Claims & Repairs

Our responsive claims team coordinates directly with trusted repair shops to get your car fixed fast—reducing stress and downtime.

2. Flexible Deductible Options

We help you customize your deductible to balance monthly premiums with out-of-pocket costs, giving you control over your policy’s affordability.

3. Coverage for All Vehicle Types

Whether you drive a sedan, SUV, or luxury model, we tailor your protection to match your car’s value and driving habits.

4. Trusted Local Expertise

With years of experience serving Florida and coastal drivers, we understand the unique conditions and coverage needs of local roads and weather.

It covers damage to your vehicle caused by colliding with another car or stationary object such as a fence, tree, or guardrail, regardless of who is at fault.

No. Collision coverage only pays for your vehicle’s repairs or replacement. Damage to others is covered under Liability Insurance.

No. It is not legally required, but lenders and leasing companies usually make it mandatory for financed or leased vehicles.

Your deductible is the amount you pay before insurance covers the rest of the repair cost. Choosing a higher deductible lowers premiums, while a lower deductible reduces out-of-pocket costs.

Collision coverage applies to impact-related damage from accidents, while Comprehensive coverage protects against non-collision events like theft, fire, or natural disasters.

Collision coverage is recommended for newer, financed, or high-value vehicles, helping protect against costly repairs and maintaining the vehicle’s value after an accident.

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