Commercial Collision.
Coverage designed to help repair or replace your business vehicle after a covered collision.
Physical Damage from Collisions
When your business vehicle is involved in a collision, repair costs can add up quickly. Commercial collision coverage helps cover covered damage to your vehicle from a collision, regardless of who is at fault. We help Texas business owners understand their collision coverage options.
What This Coverage Can Help Protect
Covered Vehicle Collisions
Helps cover damage to your business vehicle from covered collisions with other vehicles or objects.
Eligible Physical Damage
Addresses covered physical damage to your vehicle resulting from a collision.
Deductibles
You choose a deductible that affects your premium and out-of-pocket share of a covered loss.
Repair and Replacement
May help with the cost to repair or replace your vehicle after a covered collision.
Coverage Considerations
Deductible Selection
Higher deductibles may reduce premium but increase your out-of-pocket costs after a covered loss.
Vehicle Value
The value of your vehicle affects whether collision coverage makes sense for your situation.
Lender Requirements
Financed or leased vehicles may require collision coverage as part of the loan or lease terms.
Actual Cash Value
Collision coverage typically pays actual cash value, which accounts for depreciation.
Who This Coverage Is For
Vehicle Owners
Businesses that own vehicles and want help covering repair costs after a collision.
Financed Vehicles
Businesses with financed or leased vehicles that may be required to carry collision coverage.
Fleet Operators
Businesses operating fleets that want help protecting their vehicles from collision damage.
What do you need to insure?
Select the vehicle type that best describes what you drive for business.
Commercial Collision Coverage Questions, Answered
No. Damage to another person's vehicle is typically covered under property damage liability. Collision coverage helps cover damage to your own vehicle from a covered collision.
A deductible is the amount you pay out of pocket before insurance helps cover the rest of a covered loss. Higher deductibles generally mean lower premiums.
Texas does not require collision coverage, but lenders may require it for financed or leased vehicles. We help you determine what's appropriate.
Ready to Explore Your Options?
Start with a few details and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Auto Insurance to discuss your specific situation and available options.