If you have been involved in an auto accident, chances are you’ve exchanged insurance information with the other parties involved in the accident (or attempted to do so). You may have heard the terms collision coverage or comprehensive coverage used. Here are some of the differences between collision and comprehensive insurance coverage that you should be aware of as you pursue your claim:
How Collision Insurance Works
- The damages to your vehicle damages (caused by the accident) will be covered.
- Coverage is not dependent on the other person being at fault. Your coverage should work for you even if you are technically the one who caused the accident.
- If the driver did not have insurance, your collision insurance will be especially important in compensation for damages
How Comprehensive Insurance Works
- Is meant to work alongside collision insurance & therefore does not cover damages from collisions
- Covers many other types of damages that are not collision related (sometimes called OTC or Other Than Collision insurance)
- Comprehensive coverage could compensate you for damage done to your automobile by things like:
- Natural disasters
- Weather damage
- Stolen Vehicle
- Impacts with deer, dogs, possums or other animals
If you have been involved in an auto accident, before you sign a single form (even from your own friendly, service-oriented insurance company) call on the advocacy of well-trained auto accident and insurance specialists at Neufeld, Kleinberg, and Pinkiert
Contact our offices for a free consultation 800-379-8326. Or email our friendly, responsive staff right away.