Collision Insurance Information 

Types Of Vehicular Collisions

Lane departure crashes

These occur whenever a driver leaves the lane they are in and collides with another vehicle or a roadside object. These include head on collisions and run-off-road collisions.

Lane departure collisions tend to be violent as they can occur at highway or freeway speeds. They result in severe damage to both vehicles and passengers.


These types of collisions generally tend to 
be rear-endangle impact, and side impact collisions.

Junction collisions
 often lead to the most commonly reportedbodily injury due to car accidents- whiplash. Whiplash is a spinal condition caused my sudden alternating movement of the head and neck. It can be extremely painful and cost thousands in medical bills to fix. 

Pedestrians and Cyclists 

When you are involved in a collision with a pedestrian or cyclist, repairing the damages to your car should be the least of your worries. Many collision insurance policies do cover damages sustained in this way.

Collisions with animals

This type of collision coverage is particularly important in rural areas where traffic must interact with livestock on a regular basis. cows, deer, moose, and other large mammals can actually severely harm or injure the passengers of a car which strikes them in addition to causing major collision damage.

It may sound silly, but moose are a serious threat, and kill people every single year across North America. 


How Does Collision Insurance Work

Collision insurance coverage protects your wallet and assets from the most commonly reported vehicular insurance claim- thecollision

There are many types of destructive events which can happen while driving a car or riding a motorcycle which constitute a collision but for the purposes of most collision insurance policies there are four main categories of collisions: Lane departures, junction accidents, pedestrians and cyclists, and animal strikes. These types of accidents are described in detail at right and together make up the lions share of all auto insurance damage claims every single year. 

In order to qualify for reimbursement under a collision insurance policy the policyholder must have been sober and operating their vehicle in an otherwise legal manner at the time of the accident. If the car accident or collision is deemed a qualifying event by the auto insurance company the policy holder is eligible to receive insurance benefits to cover costs resulting from both bodily injury and and property damages caused by the crash.

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Collision Coverage Options & Details

Deductible Options

Deductibles are the parts of your insurance policy that tell you how much you are required to spend out of your pocket on damages before your insurance company starts to help you cover those costs. Deductible amounts may be spent on either medical costs, property damage or both.

In other words  insurance deductibles are your shared portion of cost. You must pay your deductible in full in order for your auto insurance company to pay your claim and award benefits. A common deductible would be $1000which expresses to the consumer that if their vehicle sustains $8,450.00 in damages due to a qualifying event, the policyholder would be required to pay $1000.00 before the insurance company would cover the rest. 

Once you reach your annual deductible, your auto insurance carrier will cover any collision damages in full until the next year.

Deductibles exist to prevent people that can afford collision and full coverage insurance from driving irresponsibly. If you had great insurance that paid 100% of any damages to your car no questions asked, there would be no incentive for driving safely right? because no matter how you drive your vehicle, health, and wallet would be protected. 

Deductibles ensure that you still drive just as carefully with insurance coverage as you would without. How often do you see someone driving a nice car and it seems like their attitude is, "I don't have to be careful, I have insurance." If your auto insurance company required you to pay 500 dollars in deductibles for every major damage claim, you're not likely to drive with that attitude for very long.

Another way that the deductible factors into your collision auto insurance policy, is the fact that you can wiggle your monthly premium payment up or down based on how large a deductible you select.



When you choose a high deductible,  you must pay a greater part any  repair costs after a qualifying event like a collision or accident, but your monthly auto insurance premiums will be lower. The insurance company is willing to assume a little more risk (taking less of your money) because you were willing to assume more of your own financial responsibility for accidents on an individual basis.


For those who cannot afford to pay much money out of pocket for accidents, a higher monthly premium will result from choosing a low deductible. Basically the more you spend on your insurance premiums every month, the less you'd be required to pay in deductibles in the even of an accident.