Both comprehensive coverage and collision coverage cover physical damage to your vehicle. However, each coverage has its own set of rules and only applies to certain types of damage. Pay close attention to your car insurance coverage to prevent confusion and claim delay. Knowing the difference between comprehensive and collision can save you a lot of grief at the time of a claim.
Rules to Comprehensive
- Can be added without collision
- Can be a stand alone coverage if you have another vehicle insured
- Comprehensive is often purchased with a low deductible like $100
- Covers anything other than a collision. Deer, flying objects, fire, theft, and vandalism are all comprehensive claims.
Rules to Collision
- Cannot purchase collision without comprehensive
- Covers collisions with other cars and inanimate objects like buildings, stop signs, light poles, and mailboxes.
- Collision is often purchased with a higher deductible like $500
Comprehensive claims are often smaller type claim which cause less damage. For that reason insurance carriers often charge a lower rate for comprehensive coverage. Collision coverage has the potential to cover very large claims. A collision with another car at a high speed can easily total out a vehicle. That is why collision coverage tends to be a more expensive coverage.
Always understand what a coverage is before purchasing it on your car insurance policy. Knowing these types of things before you have an accident will make the situation much less stressful because you will know what to expect. Being caught off guard at the time of an accident in regards to your car insurance can be extremely upsetting.
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