What is the difference between Comprehensive Coverage and Collision Coverage?
• Comprehensive coverage pays for damage to your car which is caused by events other than a collision. It covers damages up to actual cash value for repairs to your vehicle after it has been stolen or damaged as a result of a covered event under comprehensive. Some examples are fire, flood, theft, vandalism, windstorm, hail, or falling objects. A common comprehensive claim can be a windshield. Collisions with an animal are also covered under the comprehensive coverage. • Collision coverage pays for the repairs of your car at the actual cash value regardless of whether you are at fault of not concerning a collision with another object. After you have paid your chosen deductible, repairs are made on an actual cash value. Examples of a collision type claim can be hitting a pole, a rail, a bumper block, parking lot accidents, hit & run.
Comprehensive coverage pays for any damage to your car that is caused by something other than collision. Protect your car from fire, theft, vandalism, riots, damage caused by animals, glass breakage, and many other perils. Collision coverage pays for damage to your car no matter who causes the accident. This coverage applies if your car is hit by another car or by any other object that causes damage to your car. You always select a deductible with this coverage. The maximum amount that will be paid under Collision Coverage is the actual cash value of your car minus the deductible.
