> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Collision coverage

> What collision coverage is on an auto policy, how it pays to repair or replace your vehicle after a crash regardless of fault, and how the deductible applies.

**Collision coverage** pays to repair or replace your vehicle when you hit another vehicle or object, regardless of fault. Lenders typically require it; it is optional once a car is paid off.

Paired with comprehensive, the two are often called **full coverage** — though that phrase is not a technical policy type.

## Related terms

* [Comprehensive coverage](/learn/comprehensive-coverage)
* [Full coverage](/learn/full-coverage)
* [Deductible](/learn/deductible)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=collision-coverage)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=collision-coverage)


## Related topics

- [Full coverage](/learn/full-coverage.md)
- [Comprehensive coverage](/learn/comprehensive-coverage.md)