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GLOSSARY
Collision coverage pays to repair or replace your vehicle when it hits another car or object, or overturns, minus any deductible. It can apply whether you were at fault or not, subject to your policy.
Lenders usually require collision if you have a loan or lease. It does not pay for the other person’s car. That is liability.
EXAMPLE
You misjudge a parking garage pillar and crumple a bumper. Collision is the coverage that typically responds for your car, after the deductible.
Without collision, damage to your own car in a crash is usually on you, even if you have liability for the other driver.
A higher collision deductible usually lowers the premium. Choose an amount you could actually pay after a crash. An agent can show the difference on your quote.
FAQ
The state does not require it to drive legally. Your lender often does if the car is financed. If the car is paid off, it is your choice.
No. Those are typically comprehensive losses. Collision is for impact with a car or object, or a rollover.
You can still use your collision coverage to fix your car faster, then the carriers may sort out who reimburses whom. Your agent can explain the path for your claim.
A licensed New Jersey agent can walk you through it. Free to start.Free to start. In your language. A licensed agent confirms every requirement with you.
Quotes are estimates and subject to carrier underwriting.