When it comes to Auto Insurance claims, what is the difference between comprehensive and collision? Why is it important?
While nobody wants to run into another vehicle, collision with another vehicle is fairly straightforward and the expected handling of a car insurance claim. Your deductible will apply and your car will be repaired. Unfortunately, you will likely be charged a point on your driving record when the damage exceeds
But what about collision with an object on the road, maybe even something that fell off a truck causing
Comprehensive claims are damage or theft to your vehicle when it is not in motion. A large pine cone recently fell off a tree and fractured my sunroof glass. Yes what a bummer! But, this is not a collision claim, so it was not charged to my record. The not so good news is that I had to pay the deductible. Generally, comprehensive deductibles are lower than collision deductibles, so this of course is a better outcome than having a collision claim.
We hope you learned something from today’s insurance lesson. While we don’t make the rules, we can help you navigate the claims process.
