--- description: Collision insurance is a type of car insurance that covers the damages to your car when you get into a collision with another vehicle. title: Florida Auto Collision Insurance | Collision Insurance canonical: https://www.lawfran.com/car-accident-lawyers/collision-insurance/ date_modified: 2026-08-19T15:33:23+00:00 practice_area: car-accident --- - Florida Auto Collision Insurance | Collision Insurance [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » Collision Insurance # Collision Insurance Last Updated: August 19, 2026 - Reading Time: 4 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 4 weeks ago [![Tampa Bay Trial Lawyers Association](https://www.lawfran.com/wp-content/uploads/2023/12/tbtla-1.webp)](https://www.tbtla.us) [![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2022/01/logo-4.png)](https://www.aiopia.org) [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2022/01/avvo.png)](https://www.avvo.com) [![Florida Justice Association Logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-5.png)](https://www.myfja.org) [![elite Lawyers of America ELA](https://www.lawfran.com/wp-content/uploads/2022/01/logo-3.png)](https://www.elitelawyer.com) [![National Alliance of Attorneys Distinguished Member logo](https://www.lawfran.com/wp-content/uploads/2022/01/distinguished-member-2020-1-300x256.png)](https://naoatty.org) [![American Academy of Attorneys Top 100 2020](https://www.lawfran.com/wp-content/uploads/2022/01/AAOA-Top-100-2020-1-1-300x212.png)](https://aaoaus.com/directory/categories/florida-top-100) [![American Association of Justice logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-2.png)](https://www.justice.org) [![Multi-Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2022/01/logo-1.png)](https://www.milliondollaradvocates.com) Table of Contents Our Case results [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000-2/) [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000/) [$1,550,000 Car Accidents](https://www.lawfran.com/blog/case-results/1550000/) [$1,350,000 Car Accidents](https://www.lawfran.com/blog/case-results/1350000/) [$1,345,750 Car Accidents](https://www.lawfran.com/blog/case-results/1345750/) [$1,300,000 Car Accidents](https://www.lawfran.com/blog/case-results/1300000-2/) [$1,300,000 Car Accidents](https://www.lawfran.com/blog/case-results/1300000/) [$1,025,000 Car Accidents](https://www.lawfran.com/blog/case-results/1025000-2/) [$1,025,000 Car Accidents](https://www.lawfran.com/blog/case-results/1025000/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-4/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-3/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-2/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000/) [$895,000 Car Accidents](https://www.lawfran.com/blog/case-results/895000/) [$800,000 Car Accidents](https://www.lawfran.com/blog/case-results/800000/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000-3/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000-2/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000/) [$700,000 Car Accidents](https://www.lawfran.com/blog/case-results/700000-2/) [$700,000 Car Accidents](https://www.lawfran.com/blog/case-results/700000/) [View All Results](https://www.lawfran.com/case-results/) Our Practice Areas Testimonials Extremely attentive and considerate. 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Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Submit Δ Collision insurance is a type of car insurance that covers the damages to your car when you get into a collision with another vehicle. This type of policy is usually required by lenders when financing and leasing a vehicle. It’s important to have collision coverage if you are at fault in an accident because the other driver’s insurance will not cover the damages to your car. ![man holding clipboard looking at damage to car](https://lh6.googleusercontent.com/DT-uyuuerWXsRcR4nwB--XHvXtdxhHE1NNJvbpe49D25U9z0HlZmDXQF_o-wTHpAzCuzLb1melhE07G4Qfmmk2jmVk0xZfRg7J1XvzFMLgGpOcs31U75J7exqMzHnprbSwnJrduis6MFI_jD) ## Is Collision Insurance Required in Florida? In short, the answer is no. Florida drivers [must carry a minimum](https://www.lawfran.com/car-accident-lawyers/minimum-car-insurance-in-florida/) of $10,000 in property damage. If the other driver is at-fault, their property damage insurance would pay for the damages to your car. If you are the at-fault driver, collision insurance pays for damages to your vehicle. While not required, it is good coverage to add to your policy. It can give you peace of mind knowing that your car is protected from damage out of your control. ## How to Get Collision Insurance Coverage on Your Car Insurance Policy If you are financing or leasing a car, your lender will require that you have collision coverage on your insurance policy. You can purchase and add collision coverage to your policy if you own your vehicle outright. To add collision coverage to your auto insurance policy, you must contact your insurance company and ask them to add it. The cost of collision coverage will vary depending on your car, your driving history, and the amount of coverage you want. ## What Does Collision Insurance Cover? Collision insurance covers the damages to your car when you are involved in a collision with another vehicle or object. If your accident involved any of the following, you could receive coverage from collision insurance to help pay for property damage: - Running into a building, pothole, or other obstructions that cause damage to your car - Hitting a stationary object such as a tree or telephone pole - Collisions with another car - Accidently backing into another car in a parking lot The list above is not exhaustive but gives you an idea of what type of accident collision insurance covers. ## What is Excluded Under a Collision Insurance Policy? ![man and woman looking at damage to car after an accident for insurance purposes](https://lh3.googleusercontent.com/laPsUXsTuO4zVODJ9osLtzJgT-Wr-qIJfVmqK7BxFPMflAhThBTeO9zDpHR8pefKGwocBTUOTigzjM4jXHY7nDMak41OVVT_klcnnpcCyFIjXGqRA_AL8pA5UfW8zE4pvMREJtta2Xv0Wn13) Collision insurance does not cover the damages to your car if you are involved in an accident with an animal or damage that is caused by natural disasters such as a flood or hurricane. It also does not cover the cost of repairs if your car is vandalized or stolen. To get these accidents covered, you will need comprehensive auto insurance. ## How Does Collision Insurance Work? Collision insurance works by reimbursing you for the cost of repairs to your car up to your policy limit. If your vehicle is totaled in an accident, collision insurance will pay you the market value of your vehicle up to your policy’s limit. It’s important to remember that collision insurance does not cover the damages to the other driver’s car or any other property damage. ## What Is the Difference Between Collision and Comprehensive Coverage? Collision coverage only covers the damages to your car in an accident. Comprehensive insurance coverage covers the damages to your vehicle from various events, including theft, vandalism, and natural disasters. It is best to have both comprehensive and collision insurance on your policy to provide the best protection. ## How Much Does Collision Insurance Cost? The cost of adding collision insurance to your policy varies depending on many factors, including the make and model of your car, your driving history, your deductible, and the amount of coverage you want. ## What Type of Auto Insurance is Required in Florida? [In Florida](https://www.lawfran.com/car-accident-lawyers/do-you-need-car-insurance-in-florida/), drivers must carry [personal injury protection](https://www.lawfran.com/car-accident-lawyers/what-is-personal-injury-protection-insurance/) (PIP) and [property damage liability](https://www.lawfran.com/car-accident-lawyers/property-damage-liability-insurance/) (PDL) insurance. PIP insurance covers your medical expenses and lost wages up to your policy limit if you are injured in an accident, regardless of who is at fault. PDL insurance covers the damages to the other driver’s car if you are at fault in an accident. ## Other Coverage Options to Add to Your Policy In addition to collision insurance, there are a few other coverage options you may want to consider adding to your policy. These include: - **[Comprehensive Car Insurance Coverage](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/)**: This type of coverage will pay for damages to your car that are not caused by a collision, such as theft, vandalism, or natural disasters. - **[Uninsured/Underinsured Motorist Coverage](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/)**: This type of coverage will protect you if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. - **[Roadside Assistance](https://www.lawfran.com/car-accident-lawyers/roadside-assistance-insurance/)**: This type of coverage will help pay for towing, flat tires, and running out of gas. - **[Bodily Injury Liability Coverage](https://www.lawfran.com/car-accident-lawyers/bodily-injury-liability-coverage/)**: Bodily Injury Liability Coverage helps pay for medical expenses and lost wages if you’re responsible for injuring someone else in a motor vehicle accident. It will also help cover your legal fees if the other driver sues you. - **[Medical Payment Coverage](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-medpay/) or Medpay**: Medpay is often used to supplement health insurance or PIP coverage. It covers 100% of your medical bills up to your coverage limit. These are just a few of the coverage options available to you. For the best protection in an accident, it is best to have as much of each policy [as you can afford](https://www.lawfran.com/car-accident-lawyers/why-is-car-insurance-so-expensive/). ## Hire an Attorney for Your Florida Car Accident ![two guys talking after t-bone crash](https://lh6.googleusercontent.com/kV-vEHPqYSQcBpqjS9mxoYHpuAX_61mOkJqsrnkXYQa_JFmzyKDlUDi8UTq7tbDfpVByyEdOowuWYLZrSQnliy3Jgc25p2rEP0zmyncYGN9DR_i6xEmrF4CT5t_k9iZOBrV35LOb9zN1i04p) At [The Fran Haasch Law Group](https://www.lawfran.com/), we are committed to fighting for your fair recovery. We strive to help injured individuals and the loved ones of those wrongfully killed, secure the full, fair recovery they are owed. We offer dedicated legal representation for [car accident victims](https://www.lawfran.com/car-accident-lawyers/) and bicycle, rideshare, motorcycle, and semi-truck accident victims. If you feel you have been the victim of a car accident through no fault of your own. Our attorneys are prepared to help you navigate the legal process and work toward securing the damages you are owed. Call (727) 784-8191 or[contact us online](https://www.lawfran.com/contact-us/) to get started on receiving maximum compensation for your personal injury case. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. [Schedule Your Free Consultation](https://www.lawfran.com/contact-us/) Share this page Find an Office Near You Our Car Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. 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Haasch Founding Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) [![Multi Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2023/12/logo-1-2.png)](https://nwtla.org/members/francoise-haasch-esq/) Lifetime Member [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png)](https://www.justice.org/) [![National Women Trial Lawyers Top 25](https://www.lawfran.com/wp-content/uploads/2023/12/66659356429853-e1760028480574.webp)](https://nwtla.org/members/francoise-haasch-esq/) [![Best of the Best Attorneys Top 10 Personal Injury Attorney 2024](https://www.lawfran.com/wp-content/uploads/2024/04/best-of-the-best.webp)](https://bestofthebestattorneys.org/best-attorneys/2024-best-attorneys/) [![2024 Attorney and Practice Magazine Personal Injury Law Attorney Badge](https://www.lawfran.com/wp-content/uploads/2024/02/award.webp)](https://www.attorneyandpractice.com/) Known for extensive trial experience and consistent client advocacy across complex injury cases. [Meet Francoise M. Haasch](https://www.lawfran.com/attorneys/francoise-m-haasch/) ![joshua-lipton.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/joshua-lipton-r9krl6yuy47tqdgb2e2srqw299mmx0efn96wt2y4h8.webp) ## Joshua R. Lipton Managing Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Recognized for consistent results and strong client advocacy in complex accident cases. [Meet Joshua R. Lipton](https://www.lawfran.com/attorneys/joshua-r-lipton/) ![david-fuller.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/david-fuller-r9krlbo1wae9cf9hay3xm7pd86zgzhx3bwgc7gr5m4.webp) ## David R. Fuller Attorney Over 30 Years Experience - [Personal Injury Litigation](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) Secured more than a dozen seven-figure settlements for clients. [Meet David R. Fuller](https://www.lawfran.com/attorneys/david-r-fuller/) ![AllenPipkins](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/AllenPipkins-r9kqgp36i2s3j69yjdwfugs4wn8cagmr2tctgwzqjw.webp) ## Allen J. Pipkins II Attorney Over 10 Years Experiece - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Wrongful Death](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Combines experience from both plaintiff-side injury firms and large insurance companies. [Meet Allen J. Pipkins II](https://www.lawfran.com/attorneys/david-r-fuller/) ![laura-smith.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/laura-smith-r9krlffenmjemv40ozqfw6r7lqgxuac0of2a4klkx8.webp) ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Wrongful Death](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Known for her versatile trial experience and leadership roles across multiple legal disciplines. [Meet Laura Smith Davies](https://www.lawfran.com/attorneys/laura-smith-davies/) Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. ### [What is Bodily Injury Liability Coverage?](https://www.lawfran.com/car-accident-lawyers/what-is-bodily-injury-liability-coverage/) ### [Clearwater Car Accident Attorneys](https://www.lawfran.com/car-accident-lawyers/clearwater/) ### [Do You Need Insurance To Register a Car in Florida](https://www.lawfran.com/car-accident-lawyers/do-you-need-insurance-to-register-a-car-in-florida/) ### [Spring Hill Car Accident Lawyer](https://www.lawfran.com/car-accident-lawyers/spring-hill/) ### [Florida Auto Insurance: Stacked vs. Non-Stacked](https://www.lawfran.com/car-accident-lawyers/florida-auto-insurance-stacked-vs-non-stacked/) ### [What is Comprehensive Insurance?](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/) ### [Lakeland Car Accident Lawyer](https://www.lawfran.com/car-accident-lawyers/lakeland/) ### [New Port Richey Car Accident Attorney](https://www.lawfran.com/car-accident-lawyers/new-port-richey/) ### [Economic VS Non-Economic Damages In Tampa Car Accident Cases](https://www.lawfran.com/blog/2026/09/economic-vs-non-economic-damages-in-tampa-car-accident-cases/) September 10, 2026 What Are Economic and Non-Economic Damages In Tampa Car Accident Cases? Being injured in a car accident in Tampa, Florida, can lead to significant physical, [Read Full Post »](https://www.lawfran.com/blog/2026/09/economic-vs-non-economic-damages-in-tampa-car-accident-cases/) ### [Can an Auto Insurer Refuse to Pay Your Car Accident Claim? A Florida Guide](https://www.lawfran.com/blog/2026/08/florida-auto-insurance-claim-denied/) August 27, 2026 Short answer: yes — a Florida auto insurer can refuse to pay a car accident claim, and it now happens on nearly half of injury [Read Full Post »](https://www.lawfran.com/blog/2026/08/florida-auto-insurance-claim-denied/) ### [Who Is at Fault in a Single Vehicle Car Accident?](https://www.lawfran.com/blog/2022/05/who-is-at-fault-in-a-single-vehicle-car-accident/) May 8, 2022 Typically, you will see news coverage of car accidents where multiple vehicles are involved and there are significant personal injuries. However, a large number of [Read Full Post »](https://www.lawfran.com/blog/2022/05/who-is-at-fault-in-a-single-vehicle-car-accident/) ## Contact Us Today [(727) 784-8191](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. FacebookThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. 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