What Does Collision Cover On Auto Insurance? 
Collision is the coverage on your auto insurance policy that provides coverage for damage to your car if you or another vehicle is hit by an object . Such as a wall , fire hydrant , garage , another car ... . You probably get the picture . This coverage is not required by law but if you have a loan on your car your creditor will make you purchase Collision coverage on your auto insurance policy . You choose a deductible -LRB- $ 500 or $ 1000 are common -RRB- which is what you pay out-of-pocket for a claim before your Collision coverage will kick in . 