EVERYTHING YOU NEED TO KNOW ABOUT COMPREHENSIVE AND COLLISION AUTO INSURANCE

| January 31, 2019

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Let’s face it. Figuring out exactly what kind of insurance you need can be confusing, and all the terms used in insurance don’t help. For example, what’s the difference between comprehensive (other than collision) and collision coverage?  At PLR, we want you to understand what you’re getting and what you need. So, today, we’ll try to explain the difference between the two types of coverage. What is Collision coverage? According to the International Risk Management Institute (IRMI), Collision is “A form of automobile insurance that provides for reimbursement for loss to a covered automobile due to its colliding with another vehicle or object or the overturn of the automobile. This covers only damage to the automobile itself as "auto" is defined in the policy."  If you run into a tree while driving, Collision is the coverage that will fix your car.  If you hit another car, your liability insurance will pay for the other car. Your Collision coverage will pay for your car repairs. However, if you hit an animal, it becomes a Comprehensive claim.

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Robertson Ryan & Associates

Robertson Ryan & Associates offers a broad range of solutions for Business, Personal and Benefits Insurance. We counsel and assist more than 30,000 clients from homeowners to small businesses to national accounts in all industries. RRA is annually recognized as a Top 100 Insurance Agency and we serve the United States from over 20 locations. We are proud of our unique organizational structure in that each agent is an Agent Owner, making client service and satisfaction a top priority.

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