{"id":1428,"date":"2014-09-30T22:58:41","date_gmt":"2014-09-30T22:58:41","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=1428"},"modified":"2025-01-20T15:32:28","modified_gmt":"2025-01-20T15:32:28","slug":"when-to-add-comprehensive-auto-insurance-to-collision-coverage","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/when-to-add-comprehensive-auto-insurance-to-collision-coverage\/","title":{"rendered":"When to Add Comprehensive Auto Insurance to Collision Coverage"},"content":{"rendered":"

After an accident, having an auto insurance<\/a> policy will cover some or all of the damage to your vehicle and the other party\u2019s vehicle as well. If it\u2019s proven that the other party was at fault, their auto insurance will pay for your repairs, but what happens when you cause the accident? Will your policy cover the repairs that you need in this case?<\/p>\n

Having comprehensive coverage will cover things other than collision damage. A basic insurance policy will allow you to include these six coverages: Bodily Injury Liability, Medical Payments or Personal Injury Protection, Property Damage Liability, Collision, Comprehensive, and lastly, Uninsured and Underinsured Motorist Coverage. Each of these six coverages are priced individually and added to your total premium.<\/p>\n

You\u2019ll ultimately have to make the decision on whether you want to add both comprehensive and collision coverage. With comprehensive auto insurance, accidents that happen outside of your driving control, like theft, falling objects, explosions, earthquakes, hail, floods, vandalism, riots, or wild animal-related damages will be covered. With collision coverage, you\u2019ll be covered for any damages to your car as a result of an accident with another car, hitting an object or property, and even damage by potholes in the road.<\/p>\n

When does it make sense to have both comprehensive and collision coverage? Consider the following situations: During a storm, your parked car is crushed by a large tree branch that fell on it. Scenario two, you swerve around an object in the middle of the road, but end up hitting a tree and causing damage to your car. In the first scenario, your comprehensive coverage would take care of damages to your car because you were not driving the car at the time, you were not at fault, and did not cause a collision. In the second scenario, even though it was due to an act of nature, you were behind the wheel and in control of your car at the time of the accident; this would be covered by the collision portion of your policy.<\/p>\n

When Should You Drop Collision Coverage?<\/strong>
\nAsk these three questions:<\/p>\n