Insurance Definition Collision Comprehensive

Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it s stolen or damaged in an incident that s not a collision.

Insurance definition collision comprehensive. Comprehensive is optional insurance protection you can add to your basic car policy that provides you with coverage from damages that are not the result of a collision with another car. Minor dents and dings up to full blown car crunching can be repaired or the insurance company can at least pay out enough money to make you whole again. Comprehensive coverage is a little different because it protects your car from damage that s caused from things other than an accident. Comprehensive insurance also known as other than collision in some states covers damage to your car caused by events that are out of your control.

Both play an important role in keeping your vehicle in tip top shape. Comprehensive car insurance pays for damage to your vehicle caused by covered events such as theft vandalism or hail which are not collision. It covers things like theft vandalism glass and windshield damage fire accidents with animals weather acts of nature etc. Comprehensive insurance is a type of automobile insurance that covers damage to your car from causes other than a collision.

Collision claims are usually a bit higher than comprehensive ones according to the insurance information institute iii but both are above 1 000 on average. Learn more about the no fault insurance system and how you re covered. Collision insurance repairs damage when two vehicles in drive or reverse collide with each other. Collision insurance can be bought only in conjunction with liability and comprehensive coverage.

In 2015 about 6 of drivers with collision insurance filed a claim that was on average worth 3 350 while 2 73 filed a comprehensive claim that was worth 1 671. Comprehensive sometimes called other than collision coverage typically covers damage from fire vandalism or falling objects like a tree or hail. Comprehensive and collision are the two types of physical damage coverage available on car insurance policies. Collision insurance covers damage to your vehicle in the event of a covered accident involving a collision with another vehicle.

Without them you won t be covered for certain types of damage to your vehicle or for theft. Comprehensive and collision insurance can be important parts of an auto insurance policy. This may include repairs or a full replacement of your covered vehicle. Comprehensive is an optional coverage.