Who Needs Collision Coverage?
If you want to protect your vehicle from collisions with other vehicles or objects, you should choose Collision insurance. Collision coverage pays for damage to your vehicle — including if it is totaled — in case of a collision. Collision coverage is always sold with either Comprehensive insurance, which protects your vehicle in non-collision incidents, such as theft or vandalism, or Fire and Theft with CAC, which is a more limited form of Comprehensive insurance designed for specific heavy truck types. If your vehicle is leased, then you probably are required to have Collision insurance. If your vehicle is fully paid for, Collision coverage is optional.
