How much do you know about your car insurance in Everett? When clients are in an accident, they call to see whether their insurance covers collision repairs. We can’t provide an answer without getting more information about the accident and their insurance coverage. Specifically, do you have collision or comprehensive coverage? These insurance terms indicate different types of coverage.
Collision and Comprehensive Coverage Comparison
Collision insurance, as its name suggests, covers repairs and restorative paint work associated with a collision. This may be a collision with another vehicle or with a stationary object, such as a light pole or newspaper rack. The coverage applies to your vehicle only. Liability insurance, on the other hand, takes care of damage to other people’s property.
Contrary to popular belief, comprehensive coverage doesn’t exactly cover “everything under the sun.” It should not be confused with complete coverage. Comprehensive insurance generally covers any scenario not covered by collision coverage. This includes things like hitting a deer, car theft, damage from vandalism and acts of nature, such as damage caused by a hailstorm. It also covers windshield repair.
Should You Sign Up for One or Both?
If the premiums paid in five years is less than the current value of the car, we generally recommend collision insurance . If you’re paying $750 a year for collision coverage, that would be $3,500 in five years. If the Kelley Blue Book currently values your car at more than $3,500, collision coverage is worth the cost. Comprehensive coverage is simpler. Get this coverage if your car is new, or if it’s required under the provisions of your finance loan or if you’re worried about hitting a deer or other large animal.
We’re Here to Help!
Vehicles incur damage, whether on the road or parked in your driveway. Absolute Auto Body restores cars, whether the damage was from a collision or a falling tree branch. Visit our gallery to see the work we perform. Whether you are insured with Collision and comprehensive coverage, we are here to help! Contact us today.
Answering Questions About Collision or Comprehensive Coverage in Everett
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