Collision coverage pays for damage to your vehicle when it collides with another object, regardless of who is at fault.
What Collision Covers
- Accidents with other vehicles
- Single-car accidents (hitting a tree, guardrail, pole)
- Rollover accidents
- Potholes and road hazards
- Parking lot incidents
How It Works
- Accident occurs
- You file a claim
- You pay your deductible
- We cover repairs up to your vehicle's actual cash value
Important: If the other driver is at fault, we may recover your deductible through subrogation (pursuing their insurance).
OEM Parts Guarantee
With Alset Insurance, your vehicle is repaired with Original Equipment Manufacturer (OEM) parts—not aftermarket or salvage parts. This ensures:
- Perfect fit and finish
- Maintained vehicle value
- Manufacturer warranty compatibility
Choosing Your Deductible
| Deductible | Best For |
|---|---|
| $250-500 | Drivers who want lower out-of-pocket costs |
| $500-1,000 | Balanced protection and premium savings |
| $1,000+ | Experienced drivers, lower-value vehicles |
Is Collision Required?
- Required for financed or leased vehicles
- Optional for owned vehicles
Collision vs. Comprehensive
| Coverage | What It Covers |
|---|---|
| Collision | Damage from hitting objects |
| Comprehensive | Damage from non-collision events |
Both are needed for complete vehicle protection.
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