Auto collision insurance covers your car's repair or replacement costs after an accident. Learn what it includes, how it works and if it's right for you. Written By Written by Insurance Senior Editor, ...

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Drivers with accidents, speeding tickets or DUI convictions pay some of the highest rates for car insurance of any demographic. A single at-fault collision, for example, can spike your premiums 45%.

What exactly does car insurance cover? This is one of the most common questions we get, but the answer is surprisingly complex. It depends on the state where you live, what coverage you’ve chosen, who ...