Collision Insurance

Collision Insurance coverage is that portion of an auto insurance policy that covers damages to the policyholder’s car involving a collision with another car or object. If you are driving down the street and “Collide” with an object, the damages will fall under your Collision insurance. This is typically sold along with   Comprehensive Insurance and is part of people cal “Full Coverage Insurance. Collision coverage will pay for all repairs of your vehicle up to the full fair market value of your car, if the cost to repair exceeds the Stated value, your car might be deemed at Total Loss.

Collision Insurance, is also coverage that owners of commercial trucks, vans and cars need to protect their vehicles. The price of the coverage is based on several factors, including the actual cash value of the vehicle
This coverage is usually sold along with Comprehensive coverage, and unlike Liability Insurance which is mandatory;  Collision insurance is not required by the State. Please keep in mind, if you are financing the car, the Loss Payee ( the company to whom you make your monthly payments) will almost certainly demand that you purchase both Comprehensive as well as Collision coverage. Urban Insurance has 50 years experience, and are well aware of the forms required by finance companies, and we are able to provide them the Same-Day Loss Payee Proof listing them on the policy.


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