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Collision Insurance Keeps You Covered

Collision Insurance is essential for protecting your vehicle against damages resulting from accidents with other vehicles or objects. It ensures that your car can be repaired or replaced under such circumstances. Get a free quote to start safeguarding your car today.

What is Collision Insurance?

Collision insurance is the coverage you purchase on your auto insurance policy to cover the damages to your car caused by a collision with another vehicle or other object. Collision is part of a full-coverage car insurance policy, which provides coverage for the injuries and damage you cause to others with your car under the liability insurance as well as coverage for your vehicle to be repaired or replaced after an accident.

Do I need Collision Coverage?

Collision coverage on your car is not required by law, but if you are leasing or financing your car, your lender will require that you carry this coverage as well as comprehensive insurance coverage. Even if you don't currently have a loan on your car, it is important to know the value of your vehicle before deciding whether or not you should purchase collision coverage. If your car still holds a substantial value, you should carry collision coverage to make sure that you can repair or replace your vehicle after an accident.

Suppose your car is damaged in a "hit-and-run" accident. In that case, you will need to utilize the collision coverage on your car insurance policy to pay for the damages unless the authorities are able to track down the at-fault person. Also, if your vehicle is damaged by an uninsured driver, you will not be able to get your car fixed through your insurance if you do not have collision coverage.

If your car is old and has no substantial value, you can consider removing collision coverage. Remember that once you remove collision coverage, your insurance will not pay for any damages to your car, even if a hit-and-run driver or an uninsured driver causes them.

How Collision Insurance Works When the Other Driver is At fault

If you are involved in a car accident that is not your fault, the damages to your vehicle will be covered by the at-fault driver's insurance policy up to the property damage limit on their policy. Unfortunately, if the at-fault driver does not have insurance or does not have enough property damage coverage to fix your car, you will need to notify your car insurance company so that the damage to your car can be paid from the collision coverage portion of your insurance policy. If you do not carry collision coverage on your car, you will have to pay for the damages to your car yourself.

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Amy V. ⭐⭐⭐⭐⭐

A-MAX Military

We are super satisfied with the service we get from Stephanie every time we need a quote, make a payment or even just a simple question…She is super friendly very professional and did I mention very thorough about any information she gives us. I feel like she always goes above and beyond no matter what service we need.Thank you Stephanie we need more people like you in the customer service world!

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Nate P. ⭐⭐⭐⭐⭐

A-MAX Cypress

Lindsey was absolutely amazing, she stayed on the phone with me until the whole process was complete and was very polite! Also, the rates are unbeatable!!! I would put 10 stars if I could but I guess I'll just highly recommend them!

Abelia C. ⭐⭐⭐⭐⭐

Abelia C. ⭐⭐⭐⭐⭐

A-MAX Blackhawk

Vanessa had helped me with a quote and getting started on insurance, she was extremely helpful and gave me an awesome deal!! She was super polite and beyond helpful!!

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Miguel C. ⭐⭐⭐⭐⭐

A-MAX Closner Blvd

Great customer service! Immediate quote with the best prices in town. I had have them for about six years now and they are always eager to help and give you the best deal.

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Richard L. ⭐⭐⭐⭐⭐

A-MAX Cypress

I have been with them for more than 8 years I have not had any problems very good company!

Lejoan B. ⭐⭐⭐⭐⭐

Lejoan B. ⭐⭐⭐⭐⭐

A-MAX Lake June

Angelica helped with my full coverage insurance in under 20 mins I was all set. Thanks again I’ll be recommending.

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Ametrus B. ⭐⭐⭐⭐⭐

A-MAX Garland

If you just need liability insurance, this is the go to place. Lowest prices in town. Friendly agents to work with.

How Much Will My Insurance Company Pay If My Car Is Totaled?

If you have collision insurance on your car and your car is totaled in an accident that is your fault or with an insured or underinsured driver, your insurance company will determine the actual cash value (ACV) of your car at the time of the accident. The ACV of your car is dependent on its current condition and factors in the depreciation of the car. Typically, if the repair estimate for your car is 80% or more than the ACV of the vehicle, your insurance company will deem the car a total loss, and you will be paid the ACV of your car after your collision deductible is satisfied.

The exception to this is if you have purchased a car insurance policy that provides "agreed value" coverage instead of actual cash value coverage. In this case, there is an agreed value listed on your auto insurance policy for your vehicle and your insurance company will use this figure rather than the actual cash value of your car to determine whether or not your car is totaled. The agreed value of a car is typically much higher than the ACV.

What is the Difference Between Collision and Comprehensive Coverage?

Comprehensive and collision insurance are both coverages that respond to the damage to your car. While collision coverage will pay to fix your car due to a collision with another vehicle or object, comprehensive insurance will pay to fix your car if it is damaged by other things such as animals, fire, weather, theft, or vandalism. Both of these coverages have a deductible, which is the amount that you will pay out of pocket towards the damages to your car before your insurance company will pay to have your car fixed.

Does Collision Insurance Cover Other Drivers?

If you have collision coverage on your car insurance policy, your insurance company will pay for the damages to your car when you or any of the other listed drivers on your policy get into an accident. Your insurance company will not cover drivers who are specifically excluded from your insurance policy.

Does Collision Insurance Cover Rental Car Accidents?

When you rent a car from a rental car company in the continental United States, U.S. provinces, Canada, or Mexico, your auto insurance policy will usually provide liability car insurance as well as comprehensive and collision coverage to the rented vehicle as long as you have one car on your policy that has these coverages. If you are renting a car elsewhere, your auto insurance policy may not respond similarly, so you will need to purchase the necessary coverage from the rental car company. Before you travel, contact your insurance agent or insurance company to ensure your auto insurance policy will extend to the car you are renting.

Collision Insurance FAQs

Q: What does collision insurance cover?

A: Collision insurance covers the damage to your car when it is involved in an accident with another vehicle or object.

Q: What is a collision deductible?

A: If you carry collision coverage on your car, you will have a collision deductible. This is the amount of money you must pay for the damages to your car before your insurance company will pay for the rest.

Q: Does my collision insurance cover a rental car?

A: If you have collision coverage on your car, typically, the coverage will extend to a car that you rent in the U.S., U.S. provinces, Canada, or Mexico, but it is important to check with your insurance carrier to confirm this before renting a vehicle.


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