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If You Cause an Accident, will your Collision Coverage Still Pay for your Totaled Vehicle?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 06/23/2012

The collision coverage on your insurance policy works no matter if you are at fault for an accident or not.

Causing an accident is not something we set out to do as part of our day. This is why we purchase collision and comprehensive coverage just in case we do.

These coverages make sure that the damages to our vehicles from an accident will be covered by our insurance policy (after deductible). Whether or not they pay for the damage is not dependent as to who was at fault for the accident.



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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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