Collision coverage is just that, your car colliding with something else – a car, a building, a curb, a trash can, a bike left in a driveway. Comprehensive coverage is sometimes referred to as “other than collision”, but what does that mean. The most typical comprehensive claims are windshield breakage, theft, vandalism, contact with a deer or other animal, fire and falling objects including hail. In addition, comprehensive coverage will pay reasonable transportation expenses to you if a coverage auto is stolen. The daily amount and maximum amount varies between carriers. Providence is here to help counsel our clients on the property coverages for their individual needs.
Clients often ask, what deductible should I choose? And while the answer is different for each person keeps in mind the higher the deductible, the lower the premium, but with that being said, pick the deductible that you can afford if you are in an at-fault accident. Someone just starting out after coming off their parents’ policy might only be able to afford a $500 collision deductible, while someone more established in their career could afford a higher deductible while saving premium dollars. On a side note, comprehensive deductibles don’t often provide enough savings to carry a high deductible especially since glass claims are more frequent than accidents. Here at Providence Insurance Services, our experienced staff will help you choose the correct deductible for your personal situation. Confused about what is comprehensive collision coverage on your auto, view our related video for an explanation.