Comprehensive coverage and collision coverage are the two main auto insurance coverages that help protect against vehicle damage. They’re often purchased together within an auto policy but offer protection in different situations.

Collision Coverage for Collisions with Other Vehicles

Collision coverage typically covers damage that your vehicle sustains in a multi-vehicle accident. For example, if you’re driving down one of the main roads in San Antonio, TX, and are in an accident, this coverage would likely apply.

In the event of an accident, collision coverage may pay for the damage. Payment is subject to your deductible, and the maximum payment from this coverage is normally the value of your vehicle.

Comprehensive Coverage for Non-Collision Events

Comprehensive insurance provides protection against a range of non-collision incidents. These might include as theft, vandalism, fire, natural disasters, and animal strikes. 

If your vehicle is broken into while in downtown San Antonio, this coverage would probably cover the damage. It’s also likely to cover damage if you hit an armadillo, your vehicle sustains hail damage, or in any number of other situations.

Like collision coverage, comprehensive coverage will pay for repairs up to the value of your vehicle. However, you still must pay your deductible first.

Choosing the Right Coverage

In most cases, we at Versatile Insurance Planners recommend that drivers get comprehensive and collision coverage. Protecting your vehicle against damage is important, as it requires protecting against the different events that can cause damage- both collisions and other incidents.

For help finding auto insurance with comprehensive coverage and collision coverage, contact one of our insurance agents here at Versatile Insurance Planners.