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Is collision coverage a requirement for my policy on a car I've had for three years?

I paid cash for my new car back in 2018. My policy has had full coverage the whole time, but do I need it? If my car was totaled in an accident, I could just buy a new one, so why do I need this coverage?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Every insurance policy is different and should be tailored to your needs.
Collision coverage
 is something that most people should carry on their policy to help them in the event of a covered claim, but not all people need it.
If you can easily afford to replace or make repairs to your car out of pocket, and there isn’t a loan on your vehicle, you don’t need the coverage. “
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