What is it?
Collision or Upset coverage pays for any losses you may incur when you or a person borrowing your vehicle are responsible for a collision with another vehicle, hit an object or your car rolls over. Although this may sound like a standard part of any auto insurance policy, in fact Collision or Upset Coverage is an optional protection you may want to add to your policy.
When do you need it?
Collision or Upset coverage applies (after you pay your deductible) when you hit another car or an object like a tree or guardrail or ditch. Collision or upset coverage reimburses you for losses up to the current cash value of your vehicle, whether you are at fault or not. Collision or upset does not include damage when something hits your vehicle.
Who needs it?
Some people decide to skip Collision or Upset because the vehicle being insured is so old that it wouldn’t be worth repairing if it rolled or was in a collision. If your financial situation can cover repairing or replacing the vehicle yourself, then you might not add this coverage to your policy. Keep in mind this option can be more affordable with a higher deductible, meaning you pay more before your insurer pays the rest.