Comprehensive vs. Collision Auto Coverage
The world of auto insurance can sometimes seem layered with complexities. Clarifying these layers and offering you a clearer insight into your coverage is our mission. Today, we're here to breakdown the physical damage coverage on your auto policy, which comprises two significant components: comprehensive and collision coverage.
Understanding Physical Damage Coverage:
Physical Damage Coverage refers to insurance that covers the expense to repair or replace your vehicle should it be involved in an accident, stolen, vandalized or damaged from a natural disaster. It embodies two separate coverages, Comprehensive and Collision, each protecting your vehicle in different circumstances.
1. COMPREHENSIVE COVERAGE:
Comprehensive coverage protects your vehicle against damages resulting from incidents beyond your control, or as the insurance industry characterizes, 'Acts of God.' These could include events like fires, theft, vandalism, falling objects, and damage caused by natural disasters like hurricanes, tornadoes, or hailstorms.
2. COLLISION COVERAGE:
As the name implies, collision coverage comes into play when your vehicle collides with another car or object, for instance, a lamppost or fence. Collision coverage is there to aid in repairing or replacing your car, regardless of whether you are at fault.
While both these coverages are parts of physical damage coverage, the primary difference lies in the nature of the incidents they cover. Comprehensive coverage extends to non-collision related incidents and collision coverage covers collision-related damages.
When you hit the road, physical damage coverage grants you peace of mind, ensuring that your vehicle is adequately covered from an array of possible damages. Understanding your comprehensive and collision coverages and how they protect your vehicle can make a huge difference should an unexpected event occur.
Enjoy your week knowing that we're here at your service. Happy driving and contact us with any questions or to get started!
