What happens if you don’t have collision coverage?

I’m shopping for car insurance and not sure if I should pay for collision insurance. It increases my costs quite a bit and I don’t know if I really need it.

Rob Shapiro · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good luck with insurance shopping! If you don’t have
collision coverage
, your policy will not cover you if you cause an accident. You’ll likely need to pay out of pocket for the damage you caused to another vehicle or a stationary object, as well as any related medical costs for the driver.
Getting collision insurance is usually a good idea since it will cover you for the following:
  • A crash you caused with another driver
  • If you are hit by another driver who doesn’t have enough insurance and you don’t have
    uninsured/underinsured motorist coverage
  • A collision with another object like a tree or mailbox
  • If your car rolls over
While we’re on the subject, now is a great time to review your
car insurance
coverage with
! The Jerry app searches for the best deals from more than 50 top providers. Once you find a policy you like, Jerry will handle all the paperwork to get you switched over.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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