Collision Vs. Comprehensive: What Suits You Better?

​There are two kinds of auto insurance coverages: collision and comprehensive. They are both obtainable under the law and cover the expense of vehicle damage, but they do it differently. Let us differentiate the two and learn what exactly you need today.

While collision coverage covers damage to your car caused by a collision, comprehensive coverage covers damage caused by anything else.

Got Into a Crash? 
Collision coverage may protect you. It aids in repairing your vehicle in the event of a collision with a car, another object, or a roll-over. This insurance can help you pay for the costs of replacing your vehicle if it is destroyed in an accident.

This insurance can cover your car in the event of a hit-and-run, but it is not guaranteed in all states. There aren't many states that mandate drivers to obtain personal liability insurance.

Got Into an Accident But Not a Crash? 
Comprehensive insurance has you covered. Even when your car is just parked, many things can happen to your vehicle. Some examples are: 

• Natural disaster
• Vandalism
• Shattered windshields
• Animal-related incidents
• Theft
• Falling objects

Suppose any of these things happen while you only have the basic coverage. In that case, your insurance company will not assist you in paying for them. You must purchase comprehensive coverage for your auto insurance policy to be covered for these.

What If You're an Excellent Driver?
Just because you are an excellent driver does not guarantee that you will not be involved in an accident.

These are essential types of insurance that should not be disregarded. Although they cover different things, each provides vital protection from loss.
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Make The Best Insurance Decisions
Comprehensive and collision coverages, and other insurances, should be chosen based on your specific vehicle and circumstances.

At UG Insurance Brokerage Inc, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (718) 848-7777. You can also request a free quote by CLICKING HERE. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.