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What Is Comprehensive And Collision Coverage?

Full coverage is not a type of insurance, rather a combination of coverages. For instance, full coverage includes comprehensive and collision coverage. However that may vary by insurance provider.

Comprehensive Coverage

Comprehensive coverage will cover the damages for non-driving events. This coverage includes a deductible, which is the amount you agree to pay out of pocket. Limits for comprehensive coverage are the actual cash value of the insured car. Comprehensive coverage protects you from the following:

  • Theft.
  • Vandalism, fire, riots, and explosions.
  • Windshield and glass damage.
  • Falling trees/branches and other objects.
  • Rocks/objects kicked up by or falling off cars.
  • Storms, hail, wind, floods, lightning, and earthquakes.
  • Accidents with animals (hitting a deer).

Let’s say your car gets damaged by hail. Here is a step-by-step guide to show how comprehensive coverage works.

full coverage auto insurance

Collision Coverage

Collision coverage covers the repair or replacement of the car if damaged in a collision. This can be with another vehicle, an object or a single-car accident. This coverage includes a deductible, which is the amount you agree to pay out of pocket. There are limits for collision coverage and it is usually the actual cash value of the insured car. Collision coverage is only required for cars that are being financed. But it may be wise to buy the coverage if you cannot afford to replace or repair your car after major damages. Determine the approximate value of your car using sites like Kelley Blue Book. This will determine if the costs are worth it.  

Collision coverage protects you from the following:

  • Hitting a tree.
  • Hitting a building.
  • Rolling your car.
  • Hitting a pothole or curb.
  • Backing into another car.
  • Being hit by another car.

More Information

Do you need more information about comprehensive or collision auto insurance rates, renters insurance coverage, or what type of car your lender can provide? Our agents and customer service representatives are here to help with your cheap car insurance company needs. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

Additionally, we can help you find a car insurance quote right on our website. Because we want to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics, such as why teen drivers typically pay higher premiums than older drivers, the cost of repairs on a vehicle if you are labeled at-fault, and why your zip code can affect the cost you pay for even the most affordable car insurance policies.

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*Please review your own policy carefully for details on comprehensive and collision coverage. Comprehensive and collision coverage vary by insurance company.