There Are Two Types of Vehicle Insurance Coverage: Comprehensive and Collision
You might wish to group them together for increased security. Comprehensive coverage may be available in instances when collision coverage is not, and vice versa.
What Is Comprehensive Auto Insurance, and How Does It Work?
Damage to your vehicle caused by non-collision-related covered incidents is covered by comprehensive. Vandalism, robbery, hail, and fire are examples of such events. A collision with an animal, such as a deer, or damage caused by an object falling on your automobile, like a tree or a rock, may be covered under comprehensive coverage.
What Is Collision Insurance and What Does It Cover?
Collision insurance protects your car in the event of a covered collision with another vehicle. This insurance may cover repairs or a complete replacement of your car, depending on the amount of the damage. If you strike an item, such as a tree, collision insurance covers the damage to your car.It can also cover damage from a rollover or hitting a pothole in the road.
Is It Necessary To Have Both Comprehensive and Collision Insurance?
If you have both collision and comprehensive coverage, you may need both.
- Your vehicle is newer or more valuable: This means you have more to safeguard and may not want to chance paying for repairs or replacements out of pocket.
- You commute or put a lot of miles on your car on a regular basis: The more you drive, the more likely you are to have an accident.
- You reside in an area where there is a higher risk of damage: If you reside in or regularly travel in an area with animals, such as deer or elk, a higher risk of falling tree branches, or a higher risk of other sorts of damage, additional protection may be a sensible decision.