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Comprehensive & Collision Coverage

September 21, 2011 By Jon DeKok

As an insurance agent, I get asked this question a lot, “What is the difference between comprehensive coverage and collision coverage on car insurance?”

Here is the answer:  Comprehensive coverage covers just about everything other than a collision type accident. For instance, if a tree falls on your car, the damage to your car is covered under your comprehensive coverage. If you drive into a tree, your car damage is covered under your collision coverage.

Here’s a visual example of collision damage:

And, of comprehensive damage:

What if you hit an animal in the road (even though technically you collided with the animal), that is covered under your comprehensive coverage. Another loss that seems to confuse is if you hit a pothole and  damage your car. That would be covered under your collision coverage (collision with a stationary object).

If you have insurance questions, call me at 507-226-8121 or email me at dekokinsgroup@gmail.com.

Jon

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Filed Under: auto claims, Auto Insurance, Blog, Collision Insurance, Comprehensive Insurance Tagged With: better policies, better prices, collision coverage, comprehensive coverage, DeKok Insurance Group, Insurance, Jon DeKok, MN insurance, MN Insurance Information

About Jon DeKok

Jon DeKok has been an insurance agent in Minnesota for over thirty years. As an independent agent, he is able to offer his clients insurance policies from several of the top companies in the nation. Jon's success in the industry is based on integrity, knowledge, experience, and customer service. If you'd like to see if Jon can offer you better coverage at a competitive price, call him today at 507-226-8121.

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