Toll Free (844)733-2332

  • Request a Quote

What is the Difference Between Collision and Comprehensive Insurance?

Collision and Comprehensive insurance are often confused. Both protect your vehicle in different ways. Here is the information: Collision insurance covers damages to your vehicle caused by an accident (collision). • Collision insurance pays even if you caused the accident that damaged your car. • Collision coverage is especially valuable because one in four Floridians drive illegally without any insurance. • Even if the driver that was at fault for the accident had the required insurance, the required amount of property damage liability insurance is only $10,000 in Florida. • The recommended amount of Collision coverage varies depending on the age and value of your vehicle. Comprehensive insurance is also known as “other than collision” insurance or “OTC”. It covers damage done to your vehicle from things other than collisions, such as: vandalism, disasters, theft, fire, impacts with animals, etc. • Comprehensive does not cover any damage as a result of a collision. • If you live in a high crime area, have a newer model vehicle, or a vehicle that is a common target of theft, Comprehensive insurance is highly recommended.

Leave a Reply

Your email address will not be published. Required fields are marked *