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All You Ever Wanted to Know About Insurance

Comprehensive vs. Collision?

As life slowly begins to get back to normal, you may find yourself and others out on the road more. This means that it may be time to check-in on your auto insurance policy. Whether you are a single driver, have a household with multiple drivers and vehicles, or a house with up and coming teenage drivers, reviewing your policies to ensure that you understand what coverages you do or don’t have is so important.

One thing that confuses many drivers is the difference between their comprehensive and collision insurance. The confusion is understood as these terms get thrown around a lot; however, it is very important to understand the difference between the two as they cover two very different types of damage.

 

Collision Insurance:

Collision covers claims that are filed in a result of your vehicle being involved in a collision with another vehicle or roadway object. Such situations could include if you vehicle was to strike another vehicle, if your vehicle flips and/or rolls over on the road, if your vehicle is damaged from a road blemish such as a pothole or crevice, or if your vehicle was to strike a tree, median, or light pole. This form of coverage can cover your damages even when they were self-inflicted which can come in handy for unforeseen situations as mentioned above. This is an important coverage for many reasons but one of the most important is that the state of Florida has an extremely low property damage liability insurance requirement. This means that your collision coverage may help you in the event that you get in an accident with an uninsured motorist and/or a driver with state limit liability.

*Pro Tip* -----> Uninsured motorist coverage is something you ALWAYS want to add-on to your policy if not already included, in order to cover potential bodily injury inflicted from an accident with an uninsured driver.

Comprehensive Insurance:

Comprehensive insurance covers damages that are inflicted upon your vehicle by an event that does not involve a collision with another vehicle. Such situations could include if a tree or light pole were to fall on to your vehicle, if a deer were to run onto the road and damage your vehicle, if your vehicle was affected by a fire or hurricane, if you experience windshield damage, if your vehicle is impacted by flooding, or if your car was burglarized and/or vandalized. This type of insurance does not cover any event that involves a collision of any sort, and this is why it is so important to also have this coverage on your vehicle(s). Comprehensive insurance covers unforeseen and uncontrollable events that damage your vehicle, so you should always have this protection prepared just in case. 

Both of these coverages are very important to you and your loved ones’ safety on the roads, but we understand that everyone has different needs when it comes to their auto insurance. Every person is unique, and their insurance should be too. Talk to us today to find out how to get the price and value on Florida auto insurance for you!


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