What Is Collision Car Insurance Coverage?

Collision car insurance helps cover the cost of repairing or replacing your vehicle if it’s damaged in an accident  regardless of who is at fault. This includes collisions with other vehicles or objects like poles, fences, or guardrails.

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 FOR AUTO 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

If 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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Get Your Auto Insurance Quote Today Using Canopy Connect

What is Canopy Connect?

Canopy Connect is a secure, read-only platform that lets you share your existing insurance information directly with us. It uses bank-level encryption to keep your data safe and helps us provide faster, more accurate quotes. Simply sign into your existing insurance company portal, and our agent will be in touch with a quote for you shortly after.

Request a personalized collision car insurance quote today.

Choosing the right collision coverage ensures peace of mind on the road. Our auto insurance specialists can help you customize a collision insurance policy that fits your vehicle, budget, and driving needs.