As a car owner in Kansas, it is always important to protect your car in case of accidents, theft, vandalism, or natural disasters. Insurance policies can be confusing, and two of the most commonly confused types of coverage are collision and comprehensive coverage. Marla Williams Agency compares collision and comprehensive coverage and explains when each type of coverage is applicable.

Auto Coverage Differences

Collision Coverage

Collision coverage pays for damage to your vehicle caused by an accident or collision with another car or object. If the damage is severe enough, collision coverage may pay for a replacement of your vehicle. Collision coverage is ideal for drivers who want car protection against car accidents. However, it is important to note that collision coverage is not designed to cover all types of damage. Collision coverage would not typically cover damage from theft or vandalism.

Comprehensive Coverage

Conversely, comprehensive coverage pays for damage to your vehicle caused by anything other than a collision. Comprehensive coverage can protect your car against damage from theft, fire, hail, vandalism, and even hitting an animal. Comprehensive coverage can also cover the replacement cost of your vehicle if it is stolen or damaged beyond repair. Comprehensive coverage can also cover the replacement cost of your vehicle if it is stolen or damaged beyond repair. Comprehensive coverage is ideal for drivers living in high-risk areas.

Contact Marla Williams Agency Today

Understanding the difference between collisions and comprehensive coverage can help protect your vehicle and save you money on insurance premiums. If you are a Kansas driver who wants protection against accidents, collision coverage is the way to go. Comprehensive coverage may be necessary if you live in an area with high rates of theft, vandalism, or natural disasters.