Collision vs. Comprehensive Car Insurance

Collision and comprehensive car insurance are two very different forms of car insurance, and it’s important to know the discrepancies. Your choice could save you money and protect you from disaster when it strikes.

What Is Comprehensive Car Insurance?

Comprehensive car insurance is all-encompassing, covering “acts of God” you can’t control. Any physical damage to your car other than a collision is usually covered under comprehensive insurance. An excellent way to think of it is by picturing yourself as the driver. Any situation you did not cause as the driver should be covered under a comprehensive plan.

Natural disasters such as storms, tornadoes, hurricanes and earthquakes are all covered. Other types of damages covered under comprehensive car insurance include theft, fire, damage from impact with animals, falling objects and more. While comprehensive insurance covers a lot of things, any accident or collision is not covered under comprehensive alone. For example, if you hit a tree, it would not be included.

What Is Collision Car Insurance?

Collision car insurance covers most car crashes and auto accidents, whether it’s a crash with another vehicle or a fixed structure. It doesn’t matter whether the accident was your fault or the other driver’s, and it’s not just an accident with a lot of damage. Your collision car insurance would cover accidentally hitting a tree, pole or guardrail.

Some examples of damages covered by collision coverage include hitting another object such as a tree, hitting another car, your car rolling over or sustaining damage from hitting a pothole.

Differences Between Collision and Comprehensive Coverage

It’s vital to remember to picture yourself as the driver to understand whether or not damage falls under collision or comprehensive. An act of God is covered by comprehensive car insurance, while a driver’s actions are under collision car insurance. For example, if a deer runs out from the side of the road and nails the back of your car, it’s an act of God because there was nothing you as a driver could do to prevent it. That would fall under comprehensive coverage. However, if you swerve to avoid hitting a tree in the middle of the road but collide with the guardrail, that would fall under collision since your actions as a driver caused the damage.

Drivers often pair these two coverage types together to get total coverage. If you can’t afford any unexpected costs, getting comprehensive and collision coverage is helpful. Then, you can bundle the two together without worrying if you get in a fender bender or a tree limb falls on your car.

Contact Capital Gate Insurance

Don’t decide on these critical decisions alone. Capital Gate Insurance is here to help you determine which coverage is best for you and how you can get the cheapest rate. If you’re considering collision or comprehensive auto insurance, contact us today to get the best quote for you.