Comprehensive coverage and collision coverage are two primary protections found in many auto insurance policies. Here’s a breakdown of what each does.
Collision Coverage: Protecting Against Accidents
Collision coverage generally covers the cost of repairing or replacing your vehicle if you’re involved in a collision. A collision is usually defined as an accident involving at least one other vehicle.
For example, the collision would likely cover damage to your vehicle if you struck another car while driving on one of Plano, TX’s streets.
Comprehensive Coverage: Protecting Against Other Damage
Comprehensive coverage generally covers damage to your car from non-collision events. These could be theft, vandalism, natural disasters, and hitting animals.
For instance, comprehensive would likely pay if your vehicle was damaged while parked on one of Plano, TX’s streets or if you hit an animal out in the country. You’d also probably file a comprehensive claim if your vehicle was damaged by hail.
Consider Both Coverages
Neither collision nor comprehensive is automatically included in every auto insurance policy, but each policy usually makes them available.
At Paragon Independent Insurance Agency, we often recommend that you get both to ensure your car has the broadest protection against damage. Sometimes, it can make sense to skip one or both, though. Our agents will walk you through this decision process.
Set Up Your Auto Insurance
Setting up an auto insurance policy requires deciding which coverages, including these and others, are right for you. At Paragon Independent Insurance Agency, we can help with that. One of our independent agents will walk you through all coverage options and find a policy that provides the coverage you want.
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