Comprehensive vs. Collision Coverage on your Auto Insurance Policy

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Not sure the difference between Comprehensive Coverage & Collision Coverage on your Auto Insurance policy?  Click 'Read More' to learn the difference and make sure you are carrying the coverage you need! 

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Comp. VS. Coll. 

While the State of Florida does not require Comprehensive and Collision coverage to be held on a Auto Insurance policy, your bank may require you to carry the coverage if you finance or lease your car.

When you add either(or both) of these coverages, you choose a deductible, typically $250 or $500. This is the amount that you pay out of pocket to the repair shop, while the insurance covers the rest of the monetary damages. 

Not sure what each coverage entails? 

Comprehensive Coverage

Collision Coverage

Comprehensive coverage protects your vehicle if there is damage that is caused by something other than a collision. Some examples are: 

• Fire
• Theft
• Vandalism
• Hail
• Flood
• Hitting an Animal
• Crack in Windshield

Collision coverage protects your vehicle when you hit, or are hit by, another vehicle or object, regardless of who is at fault. 

If you currently have an auto policy with us and want to see what it would be to add the coverage, please submit a request below. If you have any additional questions regarding comprehensive/collision coverage, please feel free to email me directly at: [email protected]