Understand the difference between two ways to protect your own vehicle.
Liability coverage addresses harm you cause to others. Comprehensive and collision coverage address certain losses involving your own vehicle. They do different jobs, and the policy terms decide what is covered.
Your Insurance Concierge can help you compare both coverages alongside the rest of your auto insurance. You do not need to decide which options to request before asking for help.
Collision coverage generally addresses damage to your vehicle from a collision with another vehicle or an object, or from an overturn. The deductible and policy terms apply.
Comprehensive coverage generally addresses certain non-collision losses, such as theft, fire, hail, vandalism or contact with an animal. Covered events and exclusions depend on the policy.
Ask how collision coverage, your deductible and other applicable coverage would work.
Ask which comprehensive terms apply and how a covered loss would be valued.
Ask how the policy distinguishes animal contact from a collision with another object.
Do not assume comprehensive or collision pays for routine maintenance or wear. Ask about the actual cause and the policy exclusions.
These are discussion examples, not claim decisions. We can help you read the relevant coverage language.
Comprehensive and collision may have different deductibles. Compare the premium and the amount you would pay toward a covered claim for each option. A higher deductible can reduce the premium while increasing your share of a loss.
Ask how the insurer determines the vehicle value and whether a limit applies. Your current vehicle value, loan or lease requirements and ability to absorb a loss all belong in the same discussion. The lowest premium alone does not settle the choice.
Tell us about the vehicle, how it is used and any financing or lease. If you have current policy summaries, they can help us compare the same limits and deductibles across quotes.
We can explain the available options and help you identify questions for the carrier. If you are comparing a home policy at the same time, review home and auto together.
Do I always need both?
That depends on your situation and any lender or lease requirements. Ask us to help compare the options rather than assuming one answer fits every vehicle.
Are these the same as liability coverage?
No. They address different risks. A useful review considers your own vehicle protection and the protection for harm to other people or property.
Can the deductibles be different?
Yes, depending on the available policy. Review each deductible, premium and covered-loss provision separately.
Bring your questions or current quote. Your Insurance Concierge can explain how the coverage choices fit together and help you compare available policies.
Related resources: Auto Insurance · Compare Home and Auto Insurance
