Collision vs Comprehensive, What’s the Difference?

Auto insurance policies in Plano, TX typically include both comprehensive and collision coverage. Some people opt for just collision coverage, especially if the value of their vehicle is low. However, including comprehensive coverage adds more protection.  To choose a policy that’s right for you, it’s important to know the differences.

Collision Coverage

Collision coverage is the most important type of coverage to maintain. It applies when you are the at-fault driver in a collision with another car or object such as a power pole or sign. It’s not difficult to accidentally hit something while driving, and if you’re at fault, then your collision coverage will protect you from incurring large expenses.

With collision coverage, your insurance company pays for damage to your auto and damages related to whatever you struck, such as another vehicle. Collision coverage often pays for related medical expenses too, but it’s important to check with an agency like Paragon Independent Insurance Agency to be sure you have adequate medical coverage to meet potential claims.

Comprehensive Coverage

Comprehensive is valuable too. It covers damage that occurs to your vehicle from something other than a collision. It covers theft of your vehicle, along with incidents such as fire, flooding, and vandalism. Hitting a deer or other animal is also covered under comprehensive.

Choosing the Best Coverage

Each type of coverage serves an important purpose. For some people, the best coverage is the cheapest coverage that allows them to legally drive in Plano, TX and surrounding areas. Other people are concerned about potential damage to their vehicle and want to do more to protect themselves from unexpected expenses. For help choosing the right coverage, please call Paragon Independent Insurance Agency, for assistance. We’d love to help you explore and assess available options.