Auto accidents are often unavoidable, so it’s crucial to protect yourself by purchasing the proper car insurance policy. With both collision coverage and comprehensive plans available, it can be difficult to decide which is best for your needs. Start by learning about some important differences between the two. 

A Guide to Collision & Comprehensive Car Insurance Plans 

Collision Coverage 

Collision physical damage coverage, often simply referred to as collision coverage, is designed to protect drivers from the damage incurred during an accident. If you’re involved in a crash with another driver or hit an object with your vehicle, this policy will help you pay for the repairs. Collision will be cover damage in the event of a hit and run.

A key advantage of this policy is you can file a claim and be reimbursed regardless of who was at fault. In fact, collision insurance claims are often processed faster than other types because the company doesn’t need to spend time investigating who was at fault. 

Comprehensive Coverage

Comprehensive auto insurance protects you from damage beyond your control. It includes a wide range of scenarios, such as theft, vandalism, weather damage, collision with an animal, glass damage and falling objects. It does not, however, cover the costs associated with a collision, medical expenses, towing, or rentals.

One important factor to note is neither comprehensive nor collision coverage is required by law. However, if you’re leasing or are financing a vehicle, the dealership or lender will likely make one or both a contractual obligation to protect their investment. 

For more than 60 years, the local insurance agents from K.L. Smith Agency in Willimantic, CT, have been providing the businesses and residents of Windham County with extensive and affordable coverage. Whether you need renters insurance for a multifamily property or want to purchase comprehensive car insurance, their experienced agents will ensure your needs are met. To learn more about their services, call them today at (860) 423-9294. You can also visit their website for a more in-depth look at what they offer.