What’s the Difference Between Collision and Comprehensive Coverage?

Posted in Collision, Repair on January 9th, 2011 by admin

We’ve all been there… you’re purchasing auto insurance and making sure that you are at least getting the minimum liability coverage
covered by state law, when comprehensive and collision pop up. What are these for, you think… Isn’t my vehicle already covered by the state requirements? In some cases (like if you’re leasing), you may be required to have both comprehensive and collision, in addition to fulfilling the state required minimums… but what’s the difference between them anyway?

Knowing the difference between comprehensive and collision is an important part of assuring that you have the best coverage possible for your vehicle. Here’s a quick look at the essential differences between comprehensive and collision, so that you can make the most informed decision possible when buying car insurance.

Collision is basically what it sounds like. Collision covers a car in a collision with another vehicle. Significantly, collision covers you in a crash no matter who is at fault. Also, if the other party does not have insurance, collision will still cover repairs to your car.  It will also cover your vehicle if you collide with an object (tree, lamp post) or pedestrian. Collision will also often cover the towing and storage of your vehicle during repair and any parts needed for repair.

Comprehensive covers you for almost everything else. Tree fall on your car? Comprehensive. Punk in your neighborhood knock out your window for a laugh? Comprehensive. (Of Note: comprehensive will not cover “vandalism” committed by a family or employee that can be construed as an act of vengeance.) Comprehensive will also cover natural events, like floods, tornadoes, or forest fires. Oddly, a “collision” with an animal is covered by comprehensive, not collision. Yes, it can be confusing. Comprehensive will also cover you in cases of theft.

Remember, neither comprehensive nor collision will cover damages due to your neglect or poor maintenance of your vehicle.

To ensure that you have the best coverage possible for your vehicle, it’s advisable to consider purchasing comprehensive and collision coverage, in addition to your basic liability coverage. With either comprehensive or collision coverage, the amount you will receive in compensation from your insurance company is, of course, determined by your deductible and the value of your car. There are often bundle packages with comprehensive and collision available. You can oftentimes purchase collision and comprehensive separately, although some companies will require that collision be purchased with comprehensive coverage. Look at all your options and make the best decision possible to protect your auto investment and financial well-being.

What’s the Difference Between Collision and Comprehensive Coverage?

Fix A Wreck Auto Collision & Repair Austin, TX

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Everything About Collision

Posted in Collision on December 5th, 2010 by admin

A collision is something you’d never want to be involved in while driving. It might not sound as big a deal as a plane crash or a nuclear explosion, but did you know that car collisions are one of the top reasons for human deaths every year? Think about that next time you try to drive home without wearing your glasses or else fall asleep behind the wheel.

In general, a collision refers to an isolated event where two or more objects exert strong forces against each other for a short amount of time. The time when the two bodies meet is called the point of impact.

Imagine your foot kicking or football, or a sharp curve ball hitting the baseball bat. In collision, the faster the two objects are traveling, the harder the force of impact upon collision. Now apply this on the road and you’ll come up with this conclusion: head-on collision is one of the deadliest forms of road traffic accidents.

If ever you got into a situation that ended in a collision with another vehicle, first thing you need to worry about is finding a good auto collision center, and then worry about your collision coverage. Collision coverage should shoulder all your expenses minus the deductible. If you don’t have collision coverage, you might end up paying the repairs in full.

What you should do is make sure you’re in good shape before you get behind the wheel. Check the car too, and make sure everything works fine. This is your best bet to avoid getting into a car collision accident anytime soon.

Everything About Collision

Fix A Wreck Auto Body & Collision

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