{"id":210612,"date":"2024-08-27T11:30:00","date_gmt":"2024-08-27T15:30:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/what-is-collision-insurance-in-canada\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"collision-insurance-canada","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/collision-insurance-canada\/","title":{"rendered":"What Is Collision Insurance in Canada?"},"content":{"rendered":"\n<p><strong>Collision insurance<\/strong> is optional <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> coverage, but you should give it serious consideration. Whether you\u2019re at fault or not, if you haven\u2019t taken out this insurance, you won\u2019t be covered for damage to your vehicle if you\u2019re involved in an accident. Depending on your needs and financial situation, additional insurance coverage on top of your basic coverage, such as collision insurance, could allow you to drive your vehicle with peace of mind. In this article, we explain what <strong>collision insurance<\/strong> is and how it differs from <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a>.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Car insurance is mandatory in Canada. However, each province and territory imposes minimum insurance coverage requirements, generally focusing on liability insurance for bodily injury and property damage. We therefore recommend that you familiarize yourself with the rules in force in your area.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-collision-insurance\">What is Collision Insurance?<\/h2>\n\n\n\n\n\n<p>By law, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> is mandatory in Canada. Basic coverage includes <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> of a minimum of $200,000 (except in Quebec). Other insurance coverages are optional:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Collision insurance<\/strong><\/li>\n\n\n\n<li>Specific risks (list of risks specified in your insurance policy)<\/li>\n\n\n\n<li>Accidents without collision or upset (e.g. fire, theft, vandalism, etc.)<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">Comprehensive (All Risk Insurance)<\/a><\/li>\n\n\n\n<li>Additional options known as &#8220;endorsements&#8221; (e.g. replacement value, roadside assistance, car rental insurance, excess waiver, personal insurance, etc.).<\/li>\n<\/ul><\/div>\n\n\n\n<p>As the name suggests, <strong>collision insurance<\/strong> covers damage to your vehicle, whether or not you are at fault in an accident. But it also covers damage caused by collision with an object (e.g. garage door) and hit-and-run accidents.<\/p>\n\n\n\n<p>Since it\u2019s optional, you can add this coverage to your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> or other insurance policy. So if you\u2019re involved in an accident and you\u2019ve taken out <strong>collision insurance<\/strong>, your vehicle will be covered, and you won\u2019t have to pay for repairs.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"177791,186239,186225,210615,210616,210610\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-are-you-covered-for-collision-damage\">Are You Covered for Collision Damage?<\/h3>\n\n\n\n<p><strong>Collision insurance<\/strong> covers all damage that may be caused to your vehicle in the event of a collision with another vehicle or object. For example, if you\u2019re backing up and hit someone else\u2019s car or property (e.g. fence, garage door, underground parking wall, etc.), the damage will be covered by <strong>collision insurance<\/strong> and you won\u2019t have to pay for repairs or replacement. As mentioned above, <strong>collision insurance<\/strong> also covers repairs in the unfortunate event of a hit-and-run. As such, it is an essential insurance coverage to add to your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> policy.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210615\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-are-you-covered-for-a-not-at-fault-accident-if-you-don-t-have-collision-insurance\">Are you covered for a not-at-fault accident if you don&#039;t have collision insurance?<\/h3>\n\n\n\n<p>Basic <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> only includes <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a>. So if you don\u2019t have <strong>collision insurance<\/strong>, you\u2019re not covered for damage to your vehicle if you\u2019re involved in an accident. This is the case whether or not you are responsible for the accident.<\/p>\n\n\n\n<p>However, there is one exception. Depending on your province of residence, you may be covered if the damage is caused by a hit-and-run accident. Check with your insurer or contact an insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a> to learn more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-the-difference-between-collision-and-comprehensive-insurance\">What&#039;s the difference between collision and comprehensive insurance?<\/h3>\n\n\n\n<p>There is some confusion between collision insurance, comprehensive excluding collision or upset and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a>. Here are the main differences&#8230;<\/p>\n\n\n\n<p><strong>Collision insurance<\/strong> covers damages caused by a collision with another vehicle or an object such as a garage door or a fence. It also covers repairs if you are a victim of a hit-and-run accident. In short, your insurer will cover the cost of repair or replacement, whether or not you are at fault.<\/p>\n\n\n\n<p>On the other hand, Comprehensive excluding collision or upset covers damage to your vehicle not caused by collision or upset, such as fire, theft, vandalism and windshield replacement. It also damage caused by weather conditions (flooding, windstorm or hail, falling trees, etc.) and damage caused by collision with an animal.<\/p>\n\n\n\n<p>Finally, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a> offers the greatest protection of all types of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> policies. Although the insurance premium is higher, it combines collision protection, coverage for accident without collision or upset, comprehensive coverage and much more.<\/p>\n\n\n\n<p>Check the terms and exclusions in your car insurance policy or when you <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare-car-insurance\/\">compare car insurance quotes<\/a> online. If you have any questions, don&#8217;t hesitate to speak with an insurance agent or broker like <a title=\"ClicAssure\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a> to fully understand the insurance coverage required for your needs.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210616\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-you-need-collision-insurance\">Do You Need Collision Insurance?<\/h2>\n\n\n\n<p>That&#8217;s the question many people are asking! Do you need <strong>collision insurance<\/strong> for your vehicle?<\/p>\n\n\n\n<p>First of all, understand that <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a> is mandatory by law. Secondly, the choice of optional insurance such as <strong>collision <\/strong>or comprehensive coverage depends on your personal and financial situation. However, if you are involved in an accident and only have basic <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a>, repair costs will not be covered.<\/p>\n\n\n\n<p>That said, if you\u2019ve bought a new car, <strong>collision insurance<\/strong> is a good way to protect your purchase. You might even consider taking out <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/all-risk-auto-insurance-canada\/\">comprehensive insurance<\/a>. On the other hand, if you drive a used car of low value, then basic <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> may be sufficient for you. Take your personal situation and other factors into account so you can make an informed decision.<\/p>\n\n\n\n<p>However, if you lease or finance a vehicle, <strong>collision insurance<\/strong> is generally required by the lender.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>In short, <strong>collision insurance<\/strong> is optional coverage that you can add to your basic <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> (<a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a>). It covers damage caused by a collision with another vehicle or an object such as a garage door. If you want to add this insurance coverage, you can start by <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare-car-insurance\/\">comparing car insurance quotes<\/a> online.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_collision_insurance_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is collision insurance?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p><strong>Collision insurance<\/strong> covers damage to your vehicle, whether or not you are at fault in an accident. It also covers damage caused by a collision with an object such as a fence or garage door. This is optional insurance that you can add to your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance policy<\/a>. So if you\u2019re involved in an accident and you\u2019ve taken out <strong>collision insurance<\/strong>, your vehicle will be covered, and you won\u2019t have to pay for repairs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_car_insurance_pay_for_repairs_when_you_apos_re_at_fault_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes car insurance pay for repairs when you&apos;re at fault?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>If you have purchased <strong>collision coverage<\/strong> for your vehicle, the insurance company will reimburse the cost of repair or replacement, whether or not you are at fault in an accident.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_being_the_at-fault_driver_in_the_event_of_a_collision_affect_insurance_coverage_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes being the at-fault driver in the event of a collision affect insurance coverage?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. If you are the victim of an accident that is not your fault, your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> will cover the cost of repairing your vehicle. However, if you are responsible for the accident, you will not be covered. On the other hand, if you have taken out <strong>collision insurance<\/strong>, you are covered, whether or not you were at fault in the accident.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Do you know what collision insurance is and how it differs from comprehensive auto insurance? That&#8217;s what we&#8217;ll explain in this article.<\/p>","protected":false},"author":2488,"featured_media":215033,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-210612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Collision Insurance in Canada? 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