What Does Collision Auto Insurance Cover

Collision Auto Insurance Coverage: What's Included After an Accident

Your car just got hit — now what does your policy actually pay for? Understanding your collision auto insurance coverage can mean the difference between a stressful, out-of-pocket repair bill and a smooth path back to the road. At CrashFix Certified Collision Centers in Burbank and Los Angeles, we walk drivers through the fine print every day. Here's exactly what collision coverage includes, what it doesn't, and how to make your repair claim as painless as possible.

What Is Collision Coverage?

Collision coverage is an optional part of your auto insurance policy that helps pay to repair your vehicle after it collides with another vehicle or object, such as a tree or fence. It also applies if your car rolls over. Unlike liability coverage, which pays for damage you cause to someone else's property, collision coverage protects your own car.

What Does Collision Insurance Typically Cover?

• Vehicle repairs: Repairing or replacing damaged parts, including bumpers, fenders, hoods, doors, and even the frame.
• Labor costs: The cost of labor for repairs performed by a certified technician.
• OEM parts: In many cases, your insurer covers Original Equipment Manufacturer (OEM) parts made by your vehicle's manufacturer.
• Paint: If your car needs to be repainted after the collision, coverage typically includes the cost of paint and labor.
• Total loss: If repair costs exceed your car's value, collision coverage pays out the vehicle's actual cash value, minus your deductible.

What Collision Insurance Does NOT Cover

• Medical expenses: Typically covered by personal injury protection (PIP) or medical payments coverage instead.
• Damage to other vehicles: Covered by your property damage liability coverage.
• Theft or vandalism: Requires comprehensive coverage.
• Regular wear and tear: Collision coverage only applies to damage from a covered collision.
• Your deductible: You'll need to pay this out of pocket before collision coverage kicks in.

How CrashFix Makes Your Collision Claim Easier

At CrashFix, we work with all major insurance companies and help you navigate the claims process from start to finish. Our certified technicians provide a detailed estimate of the damage and work directly with your insurance company to restore your vehicle to pre-accident condition.

Here's how we make the process easier:

• Direct billing to your insurance company
• Assistance with your claim paperwork
• Free estimates on every repair
• Lifetime warranty on all repairs
• Convenient locations in Burbank and Los Angeles

Been in an accident and want to know exactly what your collision coverage will pay for? Get a Free Estimate Today!