WHAT IS THE DIFFERENCESBETWEEN COLLISION ANDCOMPREHENSIVE AUTOINSURANCE?

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Besides liabilitycoverage, collision and

comprehensive autoinsurance are the most

types common carinsurance.

Knowing the differences of thesetwo types and what they cover is

important when purchasingyour auto an insurance to

ensure that you have adequateprotection should you ever be

involved in an accident.

Collision Insurance refers tocoverage for your car if it is

involved in a crash with anothervehicle or stationary object.

COLLISION INSURANCEIf It Hits or Is Hit

The types of damage that maybe involved are such as crashing

into another vehicle, being hitby other vehicles, or crashinginto unmoving objects such aslamp posts and traffic lights.

COLLISION INSURANCEcontinued

Most accidents fall under thiscategory of insurance policywhich will cover the costs for

repairs and/or replacements ofparts.

COLLISION INSURANCEcontinued

Also known as “Other ThanCollision”, this insurance policycovers almost everything elsethat is not an auto accident.

COMPREHENSIVE INSURANCEEverything Else

While not as common as CollisionInsurance, it covers things that

vehicle owners sometimes may leastexpect such as vandalism, theft, fire,

natural disasters, damage fromimpact with animals and even

damages from branches or fallingtrees.

COMPREHENSIVE INSURANCEcontinued

What sets both insurancepolicies apart yet makes

both of them just asimportant is to a certainextent, the control of the

driver.

THE DIFFERENCES

Collisions and crashes are mostlyavoidable if all parties are to drivesafely and know the full extent of

their driving capabilities. Howeverthis is unlikely as a person is not ableto control the acts of another driver,

or may sometimes swerve to avoid anobject but crashes into a tree. Acollision insurance policy would

cover for this.

THE DIFFERENCES

Falling trees, fires and other naturaldisasters however are completely outof a driver’s control. These are out of

a driver’s control and acomprehensive insurance policy

would help to pay for damages to thevehicle.

THE DIFFERENCES

Most insurance companieswill have offers and/or

discounts if both collisionand comprehensive policies

are purchased together.

BEST OF BOTH WORLDS

Having adequate protection for thevehicle will help to soften the

financial burden that a driver has tobear should anything happen. While

one may live in a relatively safe area,accidents can happen anywhere at

any time and it is always better to besafe than to be sorry.

BEST OF BOTH WORLDS

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