If I crash my car, will my insurance cover it?

If you crash your car, your insurance will cover it if you have collision coverage. Collision policies act as car insurance for crashes, either between your vehicle and another vehicle, or your vehicle and another object, including poles, fences, animals, etc. Minimum liability policies will not cover you if you crash your car, so consider upgrading your policy to collision coverage. Compare quotes below to find the best rates.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Things to know...

  • Collision coverage protects drivers when they cause accidents and their vehicles suffer damage
  • Collision insurance deductible payments can be high or low depending on the policy
  • Never overlook the huge value of solid auto liability insurance when worried about accident scenarios

Being the victim of a car accident is one thing. Causing a car accident creates a whole new set of troubles. And anyone can cause a car crash.

A mere momentary lapse of attention might cause a car crash. Car crashes come with much expense when severe damage is inflicted on a vehicle.

Most drivers rely on their insurance policy to cover accident-related losses. Drivers, however, don’t always imagine themselves as anything other than victims. Those who cause accidents aren’t victims. They are the responsible, negligent party to the accident.

When you are negligent, will a car insurance company pay for the losses inflicted on your own vehicle? The answer might be “yes” depending on what type of insurance you carry.

If you have recently been in a car accident and need better and more affordable coverage, enter your ZIP code above and compare at least three to four policies today!

Collision Insurance Pays for Personal Fault


A driver has the option of purchasing different types of insurance coverage. One such option is collision insurance, a type of coverage designed to pay for damages to the insured’s car when they caused an accident.

Two essential elements must be in place for a collision insurance claim to be viable:

  • The driver has purchased collision insurance
  • The insured caused the damage

If another driver were to crash into your car, filing a collision claim would lead to a denial. The other driver was at fault. So, you would file a claim against their liability policy.

Rocks falling from a construction site onto your parked vehicle wouldn’t be considered a collision-related incident. The incident should be filed under a comprehensive insurance claim.

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Carrying Collision Insurance


Commonly, someone with a new car chooses to buy collision insurance. Conventional wisdom suggests a new car hasn’t suffered much depreciation and is worth protecting from self-inflicted damage.

Some people think that older cars, due to their lower value, don’t need collision coverage. Such an attitude might be a mistaken one.

If the vehicle’s worth hovers around $2,000 in resale value, paying $125 per year in collision coverage wouldn’t be a bad plan.

Finding the right deal on collision car insurance makes a purchasing decision easier. Comparison shopping could lead to significant savings and eliminate any reasons not to purchase collision coverage.

Whether the car is new or old, buying collision coverage makes sense thanks to the added level of financial protection.

Drivers who recently experienced a near miss or otherwise narrowly escaped a mishap may wish to rethink any decisions to decline collision coverage. The next incident might not entail narrowly escaping an accident.

Drivers previously involved in accidents before should definitely weigh the value of buying collision coverage. Why go through the expense of paying out of pocket again? Cut losses short and invest in better insurance coverage.

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Deductibles and Collision Insurance

While collision insurance helps, the insurance company does put some of the financial responsibility on the shoulders of the insured. Specifically, the deductible on the policy reflects the driver’s financial responsibility.

The deductible refers to the amount of money the insured pays before the insurance company’s payouts kick in.

The most common figure for an auto insurance deductible is $500. So, if you crash your car and $1,000 in damages is inflicted, you would be responsible for $500 and the insurance company would, hopefully, cover the remaining $500.

Deductible amounts can be higher or lower depending on the price of the premium. Paying less on an insurance policy could raise a deductible from $500 to $1,000.

Paying more could eliminate the deductible altogether. Zero-deductible policies can be expensive, though. Or maybe not.

Lowering Insurance Rates When Adding Collision


Different factors play a role in how a low deductible policy’s price is set. The driver’s history, for example, figures into premium prices.

Those who haven’t filed claims in many years, possess a good credit score, and qualify for policy discounts may be able to get great coverage at reasonable rates.

Comparison shopping also supports access to deals on auto insurance.

Adding collision coverage doesn’t automatically lead to a dramatic price increase; the customer must be willing to locate the best and most cost-effective insurance provider.

Comparison shopping also presents an opportunity to expand coverage in other areas. Those concerned over collision costs, in particular, should look at maxing out their auto liability coverage.

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Will my collision coverage cover physical injury?


Damaging your own vehicle in a collision could be costly, but totaling a $10,000 car sets a loss limit at $10,000. Totaling another driver’s $40,000 car means you could be stuck paying the bill. And damaging a vehicle might not be the most serious part of the accident.

What if the driver suffers massive internal injuries or, worse, dies? Is sufficient amount of liability insurance in place? A sufficient amount would be enough money to cover a major lawsuit.

Auto liability coverage may be the most important type of coverage to have in place, which is why auto insurance mandates exist in mostly all states.

Drivers must assume the financial responsibility to cover at least some of the costs imposed on those harmed by their negligence. While states may mandate coverage, the amounts mandated are rather minimal.

In other words, a state may mandate $25,000 in insurance coverage, but this amount wouldn’t be of much use to someone whose net worth is $300,000.

Truthfully, buying $100,000 in liability coverage wouldn’t be enough. Even $300,000 might not do anything since you can be sued beyond policy limits. An judgment beyond the policy limit must be paid out by the personal assets of the defendant.

Maybe purchasing significant auto liability insurance along with an umbrella policy would be the wisest course of action.

Once again, doing so may not even come with extreme costs. Wise comparison shopping could lead to a great deal even for high-risk drivers.

Adding Collision Coverage to a Preexisting Policy


The only time it is too late to add or increase coverage is after an incident occurs. Those worried about being underinsured should check out rates for:

  • Collision
  • Liability
  • Comprehensive
  • Underinsured/Uninsured Driver, etc.

This way, the best policy remains in place, and fears over financial losses can be put to rest.

That said, loss prevention serves as the best insurance. Drive safely and remain alert to avoid accidents.

If you’re looking to also save on auto insurance, enter your ZIP code below and start comparison shopping today!


  1. http://www.nolo.com/legal-encyclopedia/car-accidents-caused-by-negligence-29537.html
  2. http://www.investopedia.com/terms/c/collision-insurance.asp
  3. http://www.investopedia.com/terms/d/deductible.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186
  4. http://thelawdictionary.org/article/what-does-auto-liability-insurance-cover/
  5. http://www.investopedia.com/articles/personal-finance/040115/how-umbrella-insurance-works.asp

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