Understanding The Difference Between Collision And Comprehensive Coverage

Auto or car insurance is a broad term that covers a lot of different insurance policies. Two of the most important types of auto insurance policies are collision coverage and comprehensive coverage. These types of insurance can come in very handy with your actual insurance plan but are not legally required by law.

If you don’t know the difference between both, here’s a detailed guide regarding what’s covered under these policies.

 

A car on the road
Car-road

Collision Coverage

Collision coverage is for when your car is damaged while driving. Some of the most common instances where collision insurance applies are:

 

· When another car hits your car while driving

· When you hit another object while driving, for example, a tree, fence, pole, etc

· If your car rolls over due to an accident

· Your wheel or axle is damaged from hitting a pothole

Comprehensive Coverage

Comprehensive coverage usually covers incidents with your car that occur when you’re not driving it. Common instances where comprehensive coverage comes in include:

 

· When an object falls on your car and damages it, for example, a tree, pole, etc

· An animal hits your car while it’s parked

· Your car is stolen

· Your car is vandalized

· Your car is damaged due to harsh weather conditions, like a rainstorm, hailstorms, etc

· Damaged due to a natural disaster, or any other accident, for example, earthquake, floods, fire, etc

Some insurance policies even cover damages to your car due to civil protests and riots. Make sure you ask your insurance provider about it beforehand.

Which Coverage Policy Should I Get?

If you’re wondering which coverage policy is best for you, here are some factors that can help you make a decision:

Value of the Car

If you have a new car or the latest model fresh out of the company’s garage, it’s best to have both collision and comprehensive coverage. This is because the more expensive your car is, the higher the repair costs will be in case of an accident. Having both coverage policies will protect you from heavy expenses that you’ll have to bear yourself.

Risk of Accidents

The risk of accidents increases depending on the location and the amount of driving you to do. If your car is driven on busy streets for long periods every day, it’s best to have collision coverage.

Your Area

The area where you park your car is also an important factor to consider. If you don’t have your garage to park your car and you’re parking in a place where your car is exposed to natural elements, you’ll be better off having comprehensive coverage.

 

A car damaged due to a fallen tree
Tree-car-damage

 

A reliable insurance provider offers both of these policies as a package with your auto insurance. If you’re looking for one in Springfield, get in touch with Western Mass Auto Insurance.

They are a trusted insurance provider and have auto insurance agents who can help you select the best personal car insurance plans. Moreover, they also offer home insurance, renter’s insurance, life insurance, and more.

Contact them now for further details.

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