Getting insurance coverage for your car is essential. Besides being a requirement of the law, insurance helps to protect you should your vehicle be damaged.

There are different types of auto insurance coverage. Comprehensive and collision insurance coverages are the most common types of coverage. Although both covers protect your car against physical damage, the types of damages they cover are different. Geonetta & Frucht, LLP is an award-winning law firm and our lawyers have more than fifty years of combined experience defending the rights of the injured. To know more bout the oakland car accident lawyer go through

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Understanding the difference between the two types of coverage will help you determine which auto insurance coverage you need. Every traffic accident could cause devastating injuries, but this is especially true of accident with a big truck. Commercial trucks are significantly heavier and larger than other vehicles on the road, so they are capable of doing far more damage. Sadly, many people who are involved in truck accidents suffer severe injuries that will affect them for the rest of their lives.If you have been injured in a truck accident, it’s in your best interest to take legal action with the help of the truck injury lawyers at Denton & Zachary, PLLC. You can get redirected here for the best Little rock truck accident attorney.

Read on to learn more about these two covers.

Collision Insurance

Collision auto insurance coverage mainly protects you against financial losses resulting from vehicle damage due to a collision. The collision could be caused by contact by another object or rollovers. Collision insurance covers the cost of repair or replacement of the vehicle, regardless of who was at fault. To get the collision insurance one must have the car insurance from a reliable firm or company like car insurance jacksonville il. Once your automobile is insured, you can easily claim the collision insurance.

Examples of damages covered by collision insurance include those resulting from:

  • Hitting a pole or a tree
  • Colliding with another vehicle
  • Getting into a pothole
  • Hitting a wall of a building
  • Backing up to another car
  • Rolling into a ditch

Generally, collision insurance has a maximum limit of liability. However, depending on the kind of coverage you get, the insurance firm could either pay for just a few replacements or, in some cases, replace the entire car.

Collision insurance comes with a deductible. This means that you have to pay some amount of money for the initial repair of your vehicle. The higher your deductible is, the lower the monthly payments.

Collision cover can get expensive. This is why most car owners avoid buying it. However, it is a vital auto insurance coverage because you never know when you’ll hit something and damage your vehicle.

Comprehensive Insurance

Think of comprehensive insurance as an umbrella coverage that protects you from financial losses resulting from physical damage of your car caused by anything other than a collision. As long as an event is covered, your insurance company will pay for the cost.

Some of these events that comprehensive auto insurance covers include:

  • A tree falling on your car
  • Damage caused by a fire
  • Damages due to natural disasters such as earthquakes, floods
  • Theft and vandalism
  • Colliding with an animal

Just like collision insurance, comprehensive cover often requires a deductible. However, unlike with the former cover, comprehensive auto insurance coverage requires a lower deductible and offers reasonably priced coverage option.

Which Coverage Should You Choose?

Depending on your insurance provider, you may have to get collision coverage together with liability coverage, comprehensive coverage with liability coverage, or both collision and comprehensive with liability coverage. Absolute Insurance has all the information you need to make an informed decision.

For most drivers, buying both collision and comprehensive coverage is a better option. This is because of the types of coverage each option offers:

  • Collision coverage will protect you against accidents and any other collisions
  • Comprehensive insurance covers the losses resulting from damages caused by a broader range of events

A liability insurance coverage, on the other hand, protects you in case you cause damage to other people (such as during an accident where you are at fault) or to their property. Purchasing collision, comprehensive, and liability auto insurance is, therefore, the best way of protecting yourself from losses resulting from damages.

Should You Get Collision or Comprehensive Insurance Coverage?

The law only requires drivers to have liability insurance for your car. However, as explained above, having all three covers could help you save on a lot in case anything happens to your vehicle.

Should you decide to lease or rent your car, you may have to get both collision and comprehensive coverage. Moreover, having these two coverages may eliminate the need for rental car insurance.

Collision insurance claims are typically higher than comprehensive claims. Therefore, you may want to only cover your car against damage from a collision. It is unlikely that your insurance provider will allow you only to buy collision coverage for your vehicle.

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If you need both covers, you may have to consider several things to reduce the number of premiums you will pay. For example, the value of your car will determine how much coverage you will be approved for. If your vehicle is still new, your premiums are likely to be high.

On the other hand, taking deliberate steps to secure your vehicle can help to lower your premiums. For instance, insurance companies will usually charge you less if you have installed automatic brake systems and a car alarm.

Getting auto insurance does not have to be complicated when you know what is provided in each cover you are considering. The above is an overview of the difference between comprehensive and collision insurance.