Auto insurance guide · September 2, 2026 · 6 min read
I Already Have Liability — Why Would I Need Collision?
“Don’t I already have insurance?” That question usually comes from mixing up Liability and Collision. They solve entirely different problems.
1. What each coverage handles
In short: liability faces the third party; collision faces your own vehicle. Fault and repairs to your own car run on two separate tracks.
2. Why drivers sometimes use their own coverage even when the other party is at fault
In the IRC’s 2023 report, roughly one in three U.S. drivers was uninsured or underinsured. In Texas specifically, the IRC estimates around 14% of drivers are uninsured, while the Texas DMV puts it closer to 20%. In those situations, your own Collision and UM/UIM coverages are often what can actually move first.
- The other party’s limits are too low to cover the full loss
- The other party has no insurance
- Fault determination takes time
3. Two deductibles, and they need not match
Collision carries its own deductible, and so does Comprehensive. They are calculated separately and can be set at different amounts. A policy might list $1,000 for Collision and $500 for Comprehensive — easy to misread, so check them line by line.
4. On the day it happens
5. Three steps to check afterwards
- Open the Declarations Page.
- Find the Collision line.
- Check the deductible listed after it.
车险科普 · 2026年9月2日 · 约 6 分钟阅读
已经有责任险了，为什么还需要 Collision？
「我不是已经有保险了吗？」这句话背后，通常是 Liability 和 Collision 这两项没有分清。它们解决的是完全不同的问题。
一、两项保险分别管什么
简单说：责任险面向第三方，Collision 面向你自己那台车。责任在谁，和自己的车能不能修，是两条独立的线。
二、对方全责，为什么还有人走自己的保险
IRC 2023 年的报告里，全美约三分之一司机属于无保险或保额不足。德州本地的无保险司机比例，IRC 估算约 14%，德州车管局（TxDMV）的估计接近 20%。这种情况下，自己保单上的 Collision 与 UM/UIM 往往才是能先动起来的部分。
- 对方保额不足，赔不到全部损失
- 对方没有保险
- 责任认定需要时间
三、两个免赔额，数字可以不一样
Collision 有自己的 Deductible，Comprehensive 也有一个，两者分开计算，投保时可以分别设定。有的保单 Collision 是 $1,000、Comprehensive 是 $500，看保单时很容易看串行，建议逐行对照。
四、真发生碰撞那天
五、事后自查三步
- 打开保单摘要页 Declarations Page。
- 找到 Collision 那一行。
- 看后面的 Deductible 是多少。