Comprehensive and collision are both types of auto insurance that work to protect your vehicle in the event that damage is done to it. However, they differ in the types of damages that they will cover. 

 

Collision Insurance Coverage 

Collision coverage is incredibly important to have for any driver regardless of your level of experience. Whether you’re 18 or 65, accidents happen and fixing or replacing your vehicle after the fact can be very expensive.

The damages that collision insurance will cover is in the name; it covers damages incurred during a covered accident after a collision with another vehicle, object, or road hazard such as a pothole. After your deductible is paid, your collision coverage kicks in to pay the remaining costs of repairs done up to your car insurance policy’s limits. 

As collision coverage can be expensive, many choose a higher deductible to keep their monthly payments and overall premium cost lower. A deductible of at least $500 is recommended.

Collision insurance coverage is optional to add to your auto insurance policy unless you are leasing your vehicle or are paying loans. If this is the case, your lienholder often requires that you have collision added to your policy.

Comprehensive Coverage

Comprehensive insurance will cover damages that are not caused by a collision with another vehicle or an object. It instead covers damages to a vehicle on your auto insurance policy involving the following:

  • Theft
  • Vandalism 
  • Fire 
  • Windshield repair
  • Natural disasters
  • Falling objects
  • Animal impact (most commonly deer)

 

Which Coverage Should I Have?

If you carry comprehensive and collision insurance coverage, your vehicle will be protected for a variety of scenarios. You can choose to carry neither, just comprehensive coverage, or comprehensive and collision coverage. You cannot, however, carry collision without comprehensive insurance.

It’s important to note that you do not want to be stuck in a situation where you do not have enough coverage if you get into in accident; however, you also don’t want to over-insure your vehicle and end up paying for a bunch of coverages that you do not need. 

It’s always best to talk to your agent if you’re unsure about which to carry. Risk Averse Insurance has been insuring Delco and the surrounding areas since 2015, providing expert service while offering affordable prices on car insurance. Contact us for any questions you may have regarding your auto insurance and we’ll work with you to find the best coverage for your needs at a reasonable price!

 

Call Risk Averse Insurance in Media, PA to get a quote on your auto insurance policy.

Risk Averse Insurance is an independent insurance agency in Delaware County that specializes in providing high-quality insurance products at an affordable price.

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