Overview
Collision applies whether you hit another car, a pole at a Cielo Vista parking garage, or a guardrail on Loop 375. It pays out regardless of fault, so you're not waiting on another insurer's adjuster to decide whose story is right. You choose a deductible — usually $500 or $1,000 — that you pay out of pocket before insurance picks up the rest.
Key benefits
- Repairs your car after at-fault accidents
- Pays out even when the other driver flees the scene
- Required by lenders for financed and leased vehicles
- Choice of deductible to balance premium and out-of-pocket cost
Real-world examples
Hit-and-run downtown
A driver clips your fender at a red light on Mesa and drives off. Collision pays for repairs minus your deductible.
Single-vehicle slide
You skid on a rain-slick exit ramp and strike the median. Collision covers the bodywork.
Related coverages
Required by Texas law — covers the other driver when you're at fault.
Liability + collision + comprehensive — the package most lenders require.
Protects against theft, hail, vandalism, and animal strikes.
Pays medical and lost-wage benefits for you and your passengers.