Differences and Similitudes between Collision Auto Insurance and Comprehensive Auto Insurance
You probably want to shop for auto insurance but you are confused whether you go for collision or comprehensive car insurance. There are couple of misunderstood terms; however, they have great implications for coverage in terms of getting reimbursed for any damages from car insurance. Your vehicle’s protection ultimately relies upon the kind of accidents you are involved in and what you will get a reimbursement for. Along with liability coverage, these two types of insurance are the most common which can work hand in hand to replace or repair most your car’s damages. Thus, it is imperative to know the differences and similarities of collision and comprehensive auto insurance.
Collision auto insurance protects your car in case of a crash with a stationary object or another vehicle. The majority of automobile crashes and accidents fall under this type of insurance coverage. The kind of damages includes another car colliding with yours, crashing with another car or ramming into a pole, streetlight or other stationary object. This type of coverage covers the cost of replacements or repairs to your vehicle.
Often, comprehensive auto insurance is dominated by collision coverage; however, it is just as essential. While you may think that comprehensive insurance includes everything, it can only be used in specific situations. This type of coverage pays for particular kinds of accidental damage; however, it will not pay for repairs which result from regular maintenance or normal wear and tear. Also, comprehensive coverage does not cover damages to your car that is not caused by collision and car owners can truly be surprised by the amount this can encompass.
Difference between Collision and Comprehensive Coverage
The main difference in comprehensive and collision coverage is the element of your control as the driver. Typically, collision coverage covers circumstances within your control. In general, comprehensive coverage falls under the acts of nature or God which are usually out of your control as you drive such as a carjacking and a heavy hailstorm.
Comprehensive car insurance pays for most damages which take place in case you run into something while you drive your car, although collision coverage will. Basically, collision coverage pays for accidents where you are found at fault. For instance, you back your vehicle into a boulder, collision insurance will take care of the bill. But, if the boulder falls on your vehicle, comprehensive insurance pays the bill.
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By Smit Sanghvi