Comprehensive and collision are two of the most significant types of auto insurance coverage to understand. While drivers in Woodbury, MN generally aren’t required by state law to carry these coverages, they can provide important substantial protection if there’s a covered accident. Both coverages help pay to repair or replace your own car.
Collision Insurance Explained
Collision insurance normally covers your vehicle if you’re involved in a collision, which is generally defined as hitting another moving vehicle. It usually covers damages to your car if someone else hits you or if you hit someone else.
Neither collision nor comprehensive cover damages to other vehicles. That’s what liability coverages are for.
Comprehensive Insurance Details
Comprehensive insurance, on the other hand, covers situations that aren’t collisions with other vehicles. This includes theft, damage from weather events like hail or tornadoes, fire, falling objects, and even riots or vandalism. Hitting animals and telephone poles can also qualify as comprehensive claims since no other vehicle is involved.
Again, comprehensive coverage typically applies to damage your vehicle sustains during these events.
Choosing a Deductible
Both types of insurance typically come with a deductible, which is the amount you pay out of pocket before your insurer pays the rest. Selecting a higher deductible can lower your premium costs, but it means you’ll pay more when you file a claim.
Get Help Finding the Right Auto Insurance Protections
If you need help insuring a vehicle in Woodbury, MN, contact us at Kriener Insurance. We can help you sort through collision coverage, comprehensive coverage, and other important auto insurance protections.