What is the Difference Between Full and Collision?
Full is a term that usually means a combination of the liability insurance required by almost every state, plus collision and comprehensive. If you finance your automobile, your lender will require you to carry these to protect their investment. After that, the choice is up to you to carry more protection than is required. It helps to make sure you aren’t left paying out of pocket.
The other is part of that package and you can buy it on its own or together.
What is the Difference Between Collision Coverage and Comprehensive Insurance?
Collision car insurance coverage is used when your ride collides with something and comprehensive insurance is for when something collides with your vehicle. That’s simplistic, but for the most part, except for if your car is stolen, comprehensive insurance covers you when something falls on your auto (hail from the sky, a branch from a tree, a roof in a hurricane, natural disasters, etc). It also kicks in if your truck or sedan is stolen or, in some cases, a total loss. And finally, if an animal like a moose runs into you, you will be covered.
On the other hand, collision coverage is only applicable to kicking in for repairs caused by property damage in a one-on-one with another vehicle (such as a rear-end accident), a one-on-one with a stationary object, such as a fence or a guardrail or if you have a rollover, even if the accident is your fault.
What is Not Covered?
Collision coverage car insurance will not cover damage to someone else’s vehicle, theft or vandalism, damage caused by a storm, hitting an animal, floods, natural disasters or other weather-related events and falling tree limbs. It won’t cover medical expenses. In many cases, comprehensive insurance will cover most of these events.
How Does It Work if I Get a DUI?
In most cases, your insurance company should pay your claim regardless of whether you are driving under the influence or not. Insurers may try to go the “intentional” route – meaning they are off the hook for a claim if it’s based on an intentional act. The classic example is arson and a home policy claim. If you set your home on fire and arson is proved, your carrier most likely won’t be responsible for paying out for damages. Some insurance companies may try to call driving under the influence an “intentional” act – claiming that you should have known when you got behind the wheel that there was a good possibility you may wreck your vehicle in an accident. However, it’s a grey area and typically won’t hold up in court.
That said, read your policy carefully. Some collision coverage car insurance policies include verbiage that state limits of the actual policy when a DUI is part of the equation. You can also question your agent for more information.
Find Affordable Collison Automobile Insurance Quotes Online Today
There are a variety of different types of auto policy options you can add to enhance your level of protection.
Freeway does the research for you and finds multiple companies that offer plans to fit your needs and budget. Contact us for a fast and free online car insurance quote, reach out by calling us at 800-777-5620 or stop by one of our convenient locations.