Collision and comprehensive are two major parts of your auto insurance policy. Many drivers in Central Ohio get confused by these terms and wonder if they need both types. While some owners may choose not to get collision coverage, Insuran LLC recommends that your car policy have both provisions.
What Collision Insurance Covers
Collision coverage is exactly what it sounds like: it pays for damage to your vehicle resulting from a crash, regardless of who was at fault. The most common scenario involves hitting another car, but it can also involve damage from hitting a stationary object, such as a light pole, guardrail, or tree, or due to a rollover. This coverage is beneficial because it helps cover unexpected repair costs to your vehicle, minus a deductible. Some owners drop collision coverage or increase their deductibles when their vehicle reaches a certain age.
How Comprehensive Insurance Differs
Comprehensive coverage also pays for damage to your vehicle, but under different circumstances. The covered risks include events such as theft, vandalism, fire, flood, hail, or objects falling on your auto. Comprehensive also covers you if you hit an animal while driving. Think of comprehensive coverage as events that are beyond your control. As with collision, comprehensive has a deductible. If damage to your vehicle is $1,500 and you have a $500 deductible, it will pay $1,000 for repairs.
Collision and Comprehensive Work Together
Collision and comprehensive coverage, combined with liability coverage, form full auto insurance, as they help protect your vehicle from different types of physical damage. Let’s say you’re caught in a hailstorm, and you swerve out of control, hitting another vehicle. In such an instance, you would incur damage to your vehicle from hail and colliding with another car. You’d need liability coverage to pay for damage to the other person’s car, and collision coverage for damage your car sustained. Finally, comprehensive coverage would respond to the hail damage to your car.
Contact Insuran LLC, serving central Ohio, to get started on a quote. We’ll help you find auto insurance coverage that meets your needs and budget.
