The Differences between Collision Coverage and Comprehensive Auto Insurance

When a motorist obtains auto insurance quotes and purchases a basic policy, there are usually a series of additional features available that can provide improved coverage. The two most common add-ons are collision coverage and comprehensive auto insurance but many road users don’t actually understand the main differences between them.

Collision coverage effectively provides protection for your own vehicle. If you live in a Tort state and are found to be at fault in a road traffic accident, a basic auto insurance policy will cover all liabilities to third party drivers and their property. Collision damage improves the policy by providing protection for your own vehicle and will cover the cost of all accident-related repair work.

Comprehensive auto insurance works somewhat differently and actually makes provisions for other factors that can cause damage to a motor vehicle. Although comprehensive auto insurance won’t provide coverage for road traffic accidents, the cost of repairs will be met if the damage was caused by theft, vandalism, adverse weather conditions or any other means that isn’t directly attributed to road use.

When a motorist is comparing auto insurance quotes, it pays to look at these additional features in detail. This is especially important if the road user owns a new or nearly-new vehicle. Collision coverage and comprehensive auto insurance aren’t particularly important for somebody that owns an older vehicle but those that have just purchased a newer model will find these auto insurance additions invaluable when it comes to finding the perfect policy.