Comprehensive VS Collision

Having what is commonly referred to as "full" coverage on one's auto insurance is carrying comprehensive coverage and collision coverage. In the event that the vehicle is damaged, there is an opportunity for assistance for repair from your insurance company when these coverages are carried.

The question is a common one when one's vehicle would be damaged, "Is this considered comprehensive damage or collision damage"?

The answer to this is extremely important for two main reasons:

1. There may be a different deductible apply if the damage is consider comprehensive or collision.
2. Your future cost of auto insurance may be affected.

It is always recommended that you speak to your Insurance Agent prior to filing a claim so that you have an idea of the situation prior to starting the process. For many insurance carriers, comprehensive claims will not cause your rates to go up. Collision claims may have an affect on your rates.

For a review of what would be considered comprehensive and collision, please watch the video below:

For more information on auto insurance and how to best structure your full coverage, contact Farmers Insurance - The Wertzberger Agency at 913-383-3276 or www.thewertzbergeragency.com