Call Us (850) 785 – 2383 ☰ ˟
Policy Service Request File a Claim
St Andrews Insruance Agency
850.785.2383
  • Home
  • Coverage
    • Automobile
    • Boat
    • Business
    • Commercial Auto
    • Commercial Property
    • Condominium
    • Cyber Liability
    • Employment Practices Liability
    • Flood
    • Homeowners
    • Hurricane
    • Motorcycle
    • Personal Umbrella
    • Recreational Vehicle
    • Renters
    • Short-term Rental Insurance
  • Get a Quote
    • Auto
    • Boat
    • Business
    • Commercial Property
    • Cyber Liability
    • Employment Practices Liability
    • Flood
    • Homeowners
    • Hurricane Insurance Quote Form
  • Blog
  • Resources
    • How Insurance Companies Decide Auto Insurance Rates
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About St. Andrews Insurance Agency, Inc
    • Location Map
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance Home Insurance Business Insurance Commercial Auto Insurance RV Insurance Boat Insurance
Home > Blog > What is the Difference Between Comprehensive Coverage and Collision Coverage?
WEDNESDAY, FEBRUARY 28, 2024

What is the Difference Between Comprehensive Coverage and Collision Coverage?

Collision and comprehensive coverages often come hand in hand within a full coverage auto insurance policy. However, these policies are not the same. Instead, they both cover damages to the vehicle caused by different incidents. Neither of these coverages are legally required, but both are highly recommended to help you carry the brunt of expenses after an accident.

silver and black car engine

What is Comprehensive Coverage?

Comprehensive coverage pays for the cost to damage repairs and will even replace your entire vehicle if it is beyond repair when you are at fault. This insurance covers against damages to the vehicle caused by:

  • Fire
  • Wind
  • Hail
  • Lightning
  • Smoke
  • Theft
  • Vandalism
  • Explosions
  • Falling objects

Comprehensive does not include collisions, however. So, if a tree branch falls and shatters your windshield, your comprehensive coverage should help pay for the damages. If you are in an accident where you collide with another object while driving, such as a fire hydrant or curb, you will not be covered.

Be sure to ask your insurance agent about what your comprehensive coverage will and will not cover, as certain acts of terrorism and other accidents may not be covered.

What is Collision Coverage?

Collision coverage is more of a single-minded coverage as it only covers physical damage to your vehicle caused by a collision with another vehicle or object. If you are hit by another car on the road, collision coverage is the section of auto insurance that can help you repair or replace your vehicle.

This is generally the most expensive portion of an automobile insurance policy, as it is based on replacing or repairing your vehicle. Premiums also vary due to your deductible, driving record and whether the coverage is truly necessary. Selecting a higher deductible will keep premium costs low, but you will pay more out-of-pocket in the event you are in an accident.

Neither collision or comprehensive coverage provide compensation for injuries or damages you may cause to someone else’s vehicle. Make sure your auto insurance policy also includes medical payments coverage and liability to take care of any injuries or third-party damages involved in an accident.

Choosing your coverage limits and deductible for your auto insurance is incredibly important, as choosing too little coverage can leave you with holes in your policy while too high a deductible can leave you struggling to repair your vehicle. Speak with an insurance agent about insuring your vehicle.

Posted 10:15 AM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020

  • home insurance(16)
  • auto insurance(15)
  • condo insurance(10)
  • flood insurance(7)
  • commercial auto insurance(4)
  • st andrews insurance agency(4)
  • homeowners insurance(3)
  • business insurance(2)
  • car insurance(2)
  • renters insurance(2)
  • personal umbrella insurance(1)
  • liability insurance(1)
  • classic car insurance(1)
  • commercial property insurance(1)
  • contents insurance(1)
  • workers compensation(1)
  • jewelry insurance(1)
  • rv insurance(1)
  • motorcycle insurance(1)
  • commercial auto(1)
  • property insurance(1)
  • condominium insurance(1)
  • workers compensation insurance(1)

View Mobile Version
Facebook
Google+
Get Directions
Contact Us Today
Have Questions?
Contact Us
Resources
Get A Quote
Refer A Friend
Our Carriers
About Us
Blog
Contact Us
Contact us 1742 W. 15th Street
Panama City, Florida 32401

Ph: (850) 785 – 2383
Fx: (850) 785-0066
E: saiai@standrewsins.com
© Copyright 2021. All rights reserved. Powered by Insurance Website Builder.