Auto Insurance - Comprehensive vs. Collision: What's the Difference?

Nevada Insurance Enrollment Explains Which One Is Right For You

LAS VEGAS - nvtip -- Collision and Comprehensive Insurance are two types of coverage that you can add to your auto insurance policy. While these two separate types of coverage can be easy to confuse, they each cover different types of claims. If you cannot afford to replace or buy a car, "comp" and "collision" should be added to your policy.

What is Collision Insurance?

Collision insurance covers your costs of repair, up to your policy limit, if your car hits another car or an object like a fence or mailbox.  It "collides".  It also provides you with coverage if you are hit by an uninsured motorist or if someone runs into your vehicle and drives away without providing their information.

If you file a collision insurance claim, you will only have to pay your deductible for the repair. If your car is totaled, meaning that the cost of repairing your car is more than the car is worth, you will be paid the value of your car, minus your deductible.

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What is Comprehensive Insurance?

While collision coverage is used only for collisions, comprehensive coverage is used for several different types of damage.  Severe weather damage, if your auto is stolen or vandalized, if an animal runs into you, etc.  These damages can result in costly repairs.  If you have comprehensive insurance, you will only have to pay your deductible to have your vehicle returned to the condition it was in before the damage.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment
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