Comprehensive VS. Collision Coverage

As you are considering car insurance policies you may be having trouble differentiating between different types of coverage. Auto insurance can be confusing all around but one common question is, “what is the difference between comprehensive and collision coverage?”

Comprehensive VS. Collision Coverage

As you are considering car insurance policies you may be having trouble differentiating between different types of coverage. Auto insurance can be confusing all around but one common question is, “what is the difference between comprehensive and collision coverage?” Here are some quick, simple, and comprehensive descriptions that will help you understand comprehensive vs. collision coverage:

Comprehensive

Comprehensive car insurance otherwise known as “other than collision” or “comprehensive coverage” basically covers damages to your vehicle that are not caused by a collision. As you can guess, this type of insurance covers a wide variety of instances. Here a few examples of the types of damages covered under comprehensive car insurance:Comprehensive Insurance

  • Natural disasters
  • Theft, vandalism
  • Damage from impacts with animals
  • Falling objects
  • Broken windshield
  • Fire

Collision

Collision car insurance, or collision coverage, refers to insurance and protection for when your car is involved in crashes with other vehicles or stationary objects. Most car crashes fall under this type of insurance. This will cover the repair and replacement of your own car and the damages to other people’s property.

The Main Differences

Collision insurance mostly covers events that are within the driver’s control and comprehensive coverage usually falls under “acts of God or nature” this covers things that happen that are out of your control. Some acts of God or nature include: deer, carjacking, a really bad hailstorm, etc.

If you have any more questions about collision vs. comprehensive car insurance you can visit Taylor-Moore Agency today.

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