Comprehensive and collision are two different types of car insurance coverage. You may want to bundle them together for extra protection. Comprehensive can cover situations that a collision does not, and vice versa.
What is Comprehensive Auto Insurance?
Comprehensive pay for damage to your vehicle caused by non-collision-related covered events. These incidents may include vandalism, theft, hail or fire. Comprehensive can also cover a collision with an animal, such as a deer, or damage caused by an object, such as a tree or a rock, that falls on your car.
What Does Collision Cover?
Collision covers damage to your car. your car in the event of a covered accident involving a crash with another vehicle. Depending on the extent of the damage, this insurance may cover repairs or complete replacement of your vehicle. Collision covers damage to your vehicle if you hit an object, such as a tree. It can also cover damage caused by a rollover accident or hitting a hole in the road.
Why buy Collison and comprehensive car insurance?
We all need liability insurance. Every state in the United States has mandatory laws on minimum liability for car insurance. This coverage, which is considered part of the social responsibility for driving, pays for damages you cause to others in the event of an accident. Comprehensive and collision protection is designed to do what liability protection will not do – pay for damage to or loss of your car. If you have liability, collision and full insurance, you have what is considered full coverage on your vehicle.
Do you need both comprehensive and collision protection?
You may need both collision protection and comprehensive coverage if:
- Your car is newer or of higher value: This means that you have more to protect and may not want to risk paying out of your own pocket for repairs or replacement.
- You often commute or spend many miles on your vehicle: The more you drive, the bigger is the risk of an accident.
- You live in an area where injuries are more likely to occur: If the area where you live or drive often has wild animals, such as deer or moose, a greater risk of falling tree branches, or a greater likelihood of other types of damage, extra protection may be a wise choice.
How do collision and comprehensive insurances work?
Body and collision insurances are often sold together as a package. Both types of coverage usually come with a deductible. Usual deductible amounts are $ 250, $ 500 or $ 1,000. If you claim your collision or extensive coverage, the payout amount will be reduced by the amount of your deductible. Some insurance companies reward policyholders for safe driving with reduced deductibles that decrease over time if certain types of claims are not made against the insurance.
The types and amount of car insurance coverage you need can depend on several factors, including the age and value of your car, you drive and where, and the area where you live. Our friendly agent can advise you on the right types of car insurance to provide the protection you need.