What is Collision or Upset Coverage?
Collision or Upset coverage pays for any losses or damages in the case of an at-fault collision with another vehicle, the ground or object, and an animal or person. It also protects you against rollovers and hit-and-runs.
Although this may sound like a standard part of a car insurance policy, it’s an optional coverage you may want to add.
What is Covered by Collision or Upset Coverage?
Collision or Upset takes care of the cost of repair to your vehicle based on its value the day of the accident. With this coverage, your insurance company will take on the cost of repairs, minus your deductible.
It also covers you if you hit something other than a car, such as:
- A guardrail
- An embankment
- The ground
What is Not Covered by Collision or Upset Coverage?
Collision or Upset doesn’t cover damage caused by another car or object. For example, a roof shingle flies off a building and cracks your windshield. If this happens to you, it would be covered by Comprehensive Coverage.