Collision coverage
Optional vehicle coverage that may pay for damage caused by a collision or upset, subject to the policy and deductible.
Also called
collision insurance · collision or upset
What it means
Protection for eligible physical damage to the insured vehicle following a collision or rollover.
Example
If the insured vehicle hits another car, collision coverage may pay eligible repair costs less the deductible.
Canada context
Insurance wording and mandatory coverage can differ by province, insurer and policy form. Read the declarations, endorsements and full policy wording that apply to you.
Common confusion
Collision and comprehensive cover different causes of loss; provincial basic insurance rules also differ.
Important
This plain-language explanation is general information, not legal advice or a substitute for your policy wording. Ask a licensed insurance professional about your situation.
Last reviewed August 17, 2026
Sources
General information only. Coverage and terminology can differ by province, insurer, and policy wording. Consult your policy and a licensed insurance professional.