When talking about auto insurance, the terms “comp and collision” are always used to describe coverage. For most people, collision is obvious- any damage your car sustains from an accident with another vehicle. In turn, comprehensive coverage is pretty simple too: any damage to your vehicle from anything other than a collision with another vehicle.
Some examples of accidents that may be covered by comprehensive coverage include:
- Falling Objects
- Natural Disasters
- Hitting or being hit by an animal
Comprehensive coverage is usually optional, but lenders may require it if you are still making car payments. You should always check with your lender when getting insurance to make sure you get the coverage that’s required.
The importance of comprehensive coverage is that it can protect you against things out of your control. When it comes to collision, being a responsible driver can really help reduce the risks off accidents and needing to make claims. But hazards like falling branches, thieves, storms, and animals are often unpredictable, and can happen at any time. Having comprehensive coverage can be a huge benefit in case unforeseen incidents like these happen.
If you want to learn more about comprehensive coverage options, how you can add it to your insurance, and what the cost would be, talk to a Colonial agent anytime and we’d be happy to help.
You can also learn more at Allstate.com.
All insurance products are subject to terms, conditions and exclusions not described here; we can answer any questions you may have.