Interested in knowing what actually covers damages to your car?
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Comprehensive vs. Collision Coverage Explained
Many drivers assume their insurance policy automatically covers all damage to their vehicle, but different types of damage are covered by different parts of your policy.
Two of the most important coverages for your vehicle are collision and comprehensive coverage.
Collision Coverage
Collision coverage helps pay for damage to your vehicle caused by a collision with another vehicle or object.
This may include:
- Car accidents
- Hitting a guardrail
- Backing into a pole
- Single-vehicle accidents
Collision coverage applies regardless of who caused the accident, subject to your deductible.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from non-collision events.
Examples include:
- Theft
- Vandalism
- Fire
- Falling trees
- Hurricane damage
- Flooding
- Animal collisions
For drivers in Florida, comprehensive coverage can be especially important during hurricane season.
Optional Coverages That Add Convenience
Many policies also offer optional coverage that can make stressful situations easier to manage.
Roadside Assistance
Roadside assistance may help with:
- Flat tires
- Dead batteries
- Lockouts
- Towing services
- Rental Reimbursement
Rental reimbursement coverage may help pay for a temporary rental vehicle while your car is being repaired after a covered claim.
Understanding what your policy does, and does not, cover can help prevent surprises after an accident or unexpected event.
If you’re unsure whether your current policy provides enough protection for your vehicle, our team at Cornerstone Insurance Agency LLC is happy to review your options with you.
This article is for informational purposes only. You should not act based on this information without first consulting with your insurance agent; if you would like a quote from a Cornerstone Insurance Agency licensed agent, contact us. We disclaim all liability for actions taken or not taken by you based on the contents of this article which is provided “as is.” Cornerstone makes no representation that this content is error-free.