Although you’re only required to purchase liability insurance to legally operate a vehicle, it typically doesn’t provide enough coverage. It’s worth considering adding collision and comprehensive auto insurance to your policy. While both options are designed to help mitigate any financial burden that arises from something happening to your car, they don’t cover the same kinds of losses. Below is an overview of how each one works.

What’s the Difference Between Collision & Comprehensive Auto Insurance?

Collision 

Whereas liability coverage will help pay for damage you cause to another person’s vehicle, collision auto insurance is intended to pay for damages to your own. It includes financial protection for any repairs you need after colliding with another car, object, or road hazard regardless of who was at fault.

For instance, crashing into a power pole or fence, drifting into a ditch, or hitting a pothole would qualify for compensation. Collision coverage can also be used to fix your car if you’re involved in a single-vehicle rollover or the victim of a hit-and-run accident.   

Comprehensive 

In contrast, comprehensive auto insurance is meant to cover any non-collision related damages. This generally includes incidents such as fire, natural disasters, falling objects, hitting an animal, windshield repair, theft, and vandalism; however, all policies explain exactly which perils are covered.

Some common examples are a tree branch falling on your car, water damage from flooding, and hitting a deer that runs out in front of you. Your insurer will help pay the repair or replacement costs for your vehicle. 

Need extra auto insurance? Talk to an agent at Integrity Insurance Solutions. They’ve been providing the residents of San Marcos, TX, with quality coverage for the past decade and understand the importance of treating every client’s needs as unique. They’ll evaluate your situation and suggest a customized policy that’s suitable for your circumstances and budget. Call (512) 396-2211 to request a quote or visit them online to learn more about their services.