Comprehensive and Collision

From our previous posts, you’ve learned how insurance coverages such as Liability can help you pay for other peoples’ damages in the event that you’re at fault, but if you’re wondering how you can get covered for damages done to your car (regardless of who’s at fault) that’s where Comprehensive and Collision coverages come in.
 

Comprehensive

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This coverage will help pay for repairs or replacement of your car after it’s been damaged by events that are not accident-related. Coverage is available for the following damages:

  • Fire.
  • Theft.
  • Vandalism.
  • Falling (missile) objects.
  • Hitting or being hit by an animal including deer, cows, bears, moose and birds.
  • Natural disasters.

NOTE: Not all policies are the same. Before purchasing comprehensive coverage, make sure you know what your comprehensive policy will cover.

 

Comprehensive also covers…

 
Glass repair and replacement
Generally, most car insurance companies will waive your deductible for glass repair if your crack is smaller than a dollar coin. If the crack is larger, your windshield will need to be replaced and you will likely be required to pay your deductible.
Some insurance providers may cover glass repair and replacement differently.  Contact your agent to learn more.

Collision

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This coverage will help pay for repairs or replacement of your car after it’s been damaged by events that are accident-related. Coverage is available for the following damages:

  • Crashing into another car.
  • Crashing into an object.
  • Rolling over.

NOTE: If your car is damaged in a hit-and-run incident, you will generally be covered through collision coverage. However, this may not be the case in no-fault states or other states.
 
If you’re thinking about getting your car covered by any of these potential external causes, get in touch with your UniAmerica Insurance agent today or give us a call at 1-310-835-3373.