What Does Collision Insurance Actually Cover? (2025 Guide)
A complete 2025 guide explaining what collision insurance covers, what it doesn’t, how deductibles work, and how Pro Collision Center helps you save on repairs with free towing, free estimates, and up to $1,000 deductible assistance.
What Does Collision Insurance Actually Cover? (2025 Guide)
When you’re dealing with an accident, the last thing you want is confusion about your insurance coverage. Collision insurance can save you thousands — but only if you understand what it includes (and what it doesn’t). In this guide, we break down what collision insurance covers, how deductibles work, and how to get the most out of your claim.
At Pro Collision Center, we help drivers navigate repairs every day — with free estimates, free towing, and deductible assistance up to $1,000.
What Does Collision Insurance Cover?
Collision insurance pays for damage to your vehicle when it’s involved in an accident — regardless of who is at fault.
Here’s what it typically covers:
- Hitting another vehicle
- Single-vehicle accidents (poles, guardrails, curbs, trees)
- Hitting structures (garage, fence, wall)
- Pothole damage
- Parking lot collisions
- Rollovers
✔ You can file a collision claim even if someone hits you and drives off.
✔ Collision coverage is optional unless the vehicle is financed or leased.
What Collision Insurance Does NOT Cover
Collision insurance does NOT cover:
- Weather damage (hail, storm, flooding)
- Theft or vandalism
- Hitting an animal
- Mechanical breakdown
- Wear and tear
- Medical bills
- Damage to someone else’s vehicle
These fall under comprehensive, liability, or PIP/MedPay coverage.
How Collision Deductibles Work
Your deductible is what you pay before insurance covers the rest.
Example:
Repair cost: $2,500
Deductible: $500
Insurance pays: $2,000
👉 Pro Collision Center offers Deductible Assistance up to $1,000, reducing or eliminating your out-of-pocket cost.
How to File a Collision Insurance Claim
- Take photos of all damage
- Contact your insurance company
- Get a free estimate from Pro Collision Center
- Adjuster reviews and approves repairs
- Repairs completed using OEM-grade parts
- Insurance pays the shop directly (minus deductible)
We handle the communication for you.
What Damage Does Collision Insurance Cover?
Front-End & Rear-End Damage
Bumpers, fenders, hood, trunk, lights.
Side Collisions
Doors, quarter panels, mirrors.
Frame & Structural Damage
Laser frame measurement and straightening.
Suspension Damage
Control arms, alignment, wheels.
Total Loss Evaluations
When repairs exceed the vehicle value.
Collision Insurance vs. Comprehensive Insurance
Does Collision Insurance Cover Rental Cars?
Only if you have rental reimbursement added to your policy.
If you do, insurance will cover the rental during repairs.
Pro Collision Center can help set one up when you drop off your vehicle.
Step-by-Step: What to Do After an Accident
- Check for injuries
- Call 911 if needed
- Take photos of the scene
- Exchange insurance info
- Contact your insurer
- Bring your vehicle to Pro Collision Center
- Get a free estimate
- Let our team guide the entire process
Why Choosing the Right Collision Shop Matters
Your insurer may suggest certain shops, but you have the legal right to choose anyone.
Reasons customers choose Pro Collision Center:
- I-CAR Certified Technicians
- Lifetime Warranty on all repairs
- Free Towing with Any Repair
- Up to $1,000 Deductible Assistance
- OEM-grade parts
- Fast repair approval process
Safety and quality always come first.
FAQ
Does collision insurance cover hit-and-run?
Yes — if the other driver can’t be identified, collision usually covers your damage.
Is collision insurance required?
Not legally, but lenders require it.
Are OEM parts covered?
Depends on your policy. Many cover OEM-equivalent parts by default.
Will my rates go up?
Often yes, depending on fault and insurer rules.
Do I need multiple estimates?
No — most insurance companies accept one certified estimate.
Conclusion
Collision insurance is one of the most important protections for drivers — and understanding how it works can save you stress and money. At Pro Collision Center, we offer:
- Free estimates
- Free towing
- Lifetime warranty
- Up to $1,000 deductible assistance
Get your free estimate today — we’ll handle the insurance and get you back on the road safely.
