Collision insurance covers your vehicle for repair or replacement in the event of collision with other vehicles, stationary objects, people or even the road itself e.g. if you accidentally drive through a massive pothole during rain and your entire under carriage gets ripped out or severely damaged. In South Africa, comprehensive insurance will usually include collision insurance for damage to your and other parties' vehicles if the accident is your fault. Collision insurance will also cover your vehicle in the event that the accident was not your fault, but the other party does not have collision insurance on their vehicle. As with any kind of insurance policy, it is important to read your policy carefully to ensure you understand what your excess will be in the event of a collision and to make sure you have sufficient funds to cover the additional expense. Typically, the lower your excess, the higher your monthly insurance premium will be.