Collision & Comprehensive: Auto Insurance Coverage
When you think Auto Insurance, you may think you are covered for everything, however, did you know that not all policies or coverages are the same? For example, do you know which section of your policy responds if you hit a deer?
Collision coverage is insurance for vehicle damage caused by a collision. This can help cover the costs of paying off the repair or even replacing the vehicle. Some examples include:
- You driving into a stationary, object such as a tree
- You hitting another vehicle
- Another vehicle hitting you
Comprehensive coverage can be best described as the coverage that takes care of damages to your vehicle that are not caused by a collision. Think of it as your protection when you aren’t in your vehicle. These can include, but are not limited to:
- Natural Disasters
- Falling Objects such as trees
So which do you think would cover you if you hit a deer? If you guessed comprehensive, you guessed correctly!
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