What type of damage does a collision deductible cover in an insurance policy?

A collision deductible specifically addresses damage to the insured vehicle resulting from a collision with another vehicle or an object. This type of coverage is designed to help pay for repairs or replacement of the vehicle after such an incident occurs, subject to the deductible amount chosen by the policyholder.

The deductible is the portion of the cost that the insured must pay out of pocket before the insurance coverage kicks in. Collision coverage is distinct in that it does not cover damage caused by non-collision events, which is why it is important to understand the specific type of damage this deductible applies to. It is tailored to protect against situations involving actual collisions, ensuring that the insured can recover from the expenses associated with repairing their vehicle after an accident.