Comprehensive and Collision Insurance

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Lander & Associates Comprehensive and Collision Insurance

The two most common kinds of auto insurance employed to cover damaged vehicles are comprehensive and collision insurance. However, comprehensive and collision insurance act very differently as they cover various kinds of damage. Comprehensive car insurance is designed to cover damages caused by non-collision accidents. Weather, theft, or vandalism are all covered by comprehensive car insurance, while collision insurance specifically covers damages caused by collisions. The coverage in both kinds of insurance may include repairs or even a full replacement of your vehicle.

Collision Insurance Vs. Comprehensive Insurance

Collision insurance essentially covers anything that happens when the car is being driven. If you’re driving and hit another vehicle, for example, or another vehicle hits you, collision insurance comes into play. Collision insurance also kicks in if you accidentally hit a stationary object like a street sign, or if you hit a major pothole while driving. Basically, collision insurance covers anything that happens while your car is in motion and collides with something.

Comprehensive insurance usually covers everything that happens when the car isn’t being driven. It is also referred to as “other than collision” insurance. For example, if you park your car under a tree and a storm causes a branch to fall on it, comprehensive insurance would cover it.

When determining what insurance covers a specific damage, you should consider how the car was damaged. However, since the two insurances cover different kinds of situations, most people bundle them together. If you hit a cow, for example, you’ll need comprehensive coverage, but if you swerve to avoid hitting a cow and hit a building or car, you’ll need collision coverage.

Comprehensive And Collision Insurance In Florida

Weather-related accidents are common in Florida, a coastal state that regularly experiences hurricanes and tropical storms. We recommend that Florida residents should purchase comprehensive insurance. Another point to note is that Florida has one of the largest populations of uninsured drivers in the United States, which unfortunately raises the average monthly payment. The Insurance Research Council reports that the average Floridian pays more than $2,000 a year for auto insurance. While this may seem high, remember that the average cost of getting into an accident with an uninsured driver can cost up to $20,000.

By dropping comprehensive coverage, an average person can save around twenty-two dollars a month. However, you will have to pay a hundred percent of the price of damage from an accident normally covered by comprehensive insurance out of pocket. For most car owners, it is best to invest in a package that bundles both collision and comprehensive insurance.

Contact Us Today

The car accident lawyers at Lander & Associates have decades of experience helping car accident clients recover the compensation they are legally entitled to. We advise clients on insurance problems, types, and the best insurance for their situation. If you believe you have been treated unfairly by an insurance company, you may wish to consult with an experienced car accident attorney from Lander & Associates to assess your legal options. Call Lander & Associates to schedule a free initial consultation today.