Let’s face it. Figuring out exactly what kind of insurance you need can be confusing, and all the terms used in insurance don’t help. For example, what’s the difference between comprehensive (other than collision) and collision coverage? At PLR, we want you to understand what you’re getting and what you need. So, today, we’ll try to explain the difference between the two types of coverage.
What is Collision coverage?
According to the International Risk Management Institute (IRMI), Collision is “A form of automobile insurance that provides for reimbursement for loss to a covered automobile due to its colliding with another vehicle or object or the overturn of the automobile. This covers only damage to the automobile itself as "auto" is defined in the policy." If you run into a tree while driving, Collision is the coverage that will fix your car. If you hit another car, your liability insurance will pay for the other car. Your Collision coverage will pay for your car repairs.
However, if you hit an animal, it becomes a Comprehensive claim.
What Does Comprehensive Auto Insurance Cover?
Comprehensive auto insurance covers damage done to your vehicle from things like vandalism, fire, theft, and the weather. Another important thing it covers, of particular importance for residents of Bloomington-Normal, is animal damage. With the unpredictable weather in Illinois (sometimes resulting in small hail storms!) and the large population of deer, Comprehensive coverage is a smart investment for residents of Bloomington-Normal.
Comprehensive Auto Insurance in Bloomington-Normal
If you’re considering Comprehensive auto insurance, click on the link below. One of our awesome agents will contact you for a no-pressure conversation about the different kinds of plans available and help you figure out which is best for you.