{"id":1264,"date":"2018-09-26T13:46:33","date_gmt":"2018-09-26T18:46:33","guid":{"rendered":"https:\/\/flagshipinsuranceservices.com\/?p=1264"},"modified":"2020-04-27T07:56:31","modified_gmt":"2020-04-27T12:56:31","slug":"how-will-comprehensive-and-collision-insurance-coverages-fix-damage-to-your-car","status":"publish","type":"post","link":"https:\/\/flagshipinsuranceservices.com\/index.php\/2018\/09\/26\/how-will-comprehensive-and-collision-insurance-coverages-fix-damage-to-your-car\/","title":{"rendered":"How will comprehensive and collision insurance coverages fix damage to your car?"},"content":{"rendered":"

If you\u2019ve watched the news lately, there has been significant coverage on wildfires, severe storms, and most recently, Hurricane Florence. As we transition through the seasons, we encounter different perils that could pose risk to our vehicles.
\nWith all these different scenarios present in our lives, it may be difficult to keep track of how insurance will respond to your auto claims. Therefore, this week\u2019s blog is going to discuss the differences between comprehensive and collision insurance.
\nComprehensive insurance coverage provides protection for damages caused to your car, which are not collision related. The small fly in the ointment is collision with animals. That\u2019s covered under comprehensive insurance. In some states, comprehensive coverage is called, \u201cother than collision.\u201d Comprehensive insurance coverage is an optional coverage unless you have a car loan. Your lender will require you to purchase it.
\n Comprehensive coverage protects against:<\/strong>
\n Theft;
\nVandalism;
\nFlood;
\nFire;
\nNatural disasters including earthquakes, floods, hurricanes, tornadoes, and volcanic eruption;
\nAnimals;
\nRiot; and
\nGlass breakage.
\nCollision insurance coverage provides protection for damages caused by upset of your covered auto or impact with another vehicle or object. Collision insurance coverage is an optional coverage unless you have a car loan.
\n Some examples that collision coverage would protect against Include:<\/strong>
\n You run a stop light and hit another car.
\nYou collide with a tree, mailbox, telephone pole, or mailbox.
\nYou swerve to avoid a deer and hit a tree.
\nDepending on the damage sustained by your car, it may be repaired or replaced.
\nHere are some different claim scenarios and how either of these coverages will respond.
\n<\/strong>
\n Claim Scenario #1 – Flood<\/strong>
\nA summer storm comes through your city dumping a record amount of rainfall. Local rivers overflow and storm sewers can\u2019t handle the water flow. During the storm, you look out your window and see your car floating by. Do you have coverage?
\nAnswer: <\/strong>If you have comprehensive insurance coverage on your car and it\u2019s damaged during a flood, you have coverage. If your car is totaled and needs to be replaced, the reimbursement may be your car\u2019s actual cash value less your deductible. Talk to your agent to learn more.
\n Claim Scenario #2 – Fire<\/strong>
\nYou\u2019ve enjoyed a nice, hot summer with your family and friends. Countless hours have been spent sun tanning, swimming, and water-skiing. Unfortunately, your area is in a drought situation. One day an afternoon storm pops up and a lighting strike causes a wildfire that destroys many homes in your city. While your home was spared from destruction, your car, which was parked in the driveway, caught fire and burned resulting in a total loss. Do you have coverage?
\nAnswer:<\/strong> If you\u2019ve purchased comprehensive insurance coverage for your car, you would have coverage if the car is damaged or destroyed by fire. If the car is totaled and needs to be replaced, the reimbursement may be the car\u2019s actual cash value less your deductible. Talk to your agent to learn more.
\nClaim scenario #3 \u2013 Deer hit<\/strong>
\nIt\u2019s a beautiful Sunday afternoon and you\u2019re out cruising in your convertible enjoying the fall colors. Your favorite football team has a bye, so you\u2019re not missing the big game. You know it won\u2019t be long before you\u2019ll have to put your convertible in storage for the winter. You decide to stop at your favorite burger bar for a sandwich and a diet soda. On your way home, a deer jumps out in front of you and you hit it. While the deer survived the crash, your convertible didn\u2019t. Do you have coverage?
\nAnswer:<\/strong> If you have comprehensive insurance coverage, it\u2019ll pay for the damages to your car. If your car is totaled and needs to be replaced, the reimbursement may be your car\u2019s actual cash value less your deductible. Talk to your agent to learn more.
\nIf you swerved to avoid the deer and you hit a tree instead, comprehensive insurance coverage wouldn\u2019t apply to the damages. You would need to have purchased collision insurance for coverage to apply.
\nClaim scenario #4 \u2013 Neighbor\u2019s mailbox<\/strong>
\nA few months ago, your son or daughter received his or her driver\u2019s license. Now that he has his or she has her license you\u2019re life has calmed down a bit. You no longer need to take them to practice, appointments, or their job. On the other side, there\u2019s always a bit of angst while he or she\u2019s driving. One winter evening, the pizza parlor where he or she works closed early due to poor weather conditions. This is his or her first winter driving experience. He or she were just getting ready to make the turn into your driveway when he or she slides into your neighbor\u2019s mailbox. Do you have coverage?
\nAnswer:<\/strong> Collision insurance coverage will pay for damages to your car and the mailbox too.
\nClaim scenario #5 \u2013 Fallen tree<\/strong>
\nMother Nature has whipped up a snowstorm that\u2019s expected to dump three feet of snow in your area. Local schools have been closed and all extra-curricular activities have been cancelled. The only thing to do for the next 24 hours is to sit by the fire with a book and a warm cup of hot chocolate or coffee. After the storm passes, you go outside to begin the process of digging out. While outside you notice that your child\u2019s car has been crushed by a large tree branch. Do you have coverage?
\nAnswer:<\/strong> Comprehensive insurance coverage would pay for damage to your child\u2019s car because of falling ice or tree limbs.
\nRemember, there are many different claim scenarios that can affect your family. In addition, insurance policies are not created equal! Make sure you understand what\u2019s covered by your policy and what\u2019s excluded. Insurance policies don\u2019t cover everything. Talk to your insurance agent to learn more about your policy and the coverage it provides.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019ve watched the news lately, there has been significant coverage on wildfires, severe storms, and most recently, Hurricane Florence. As we transition through the seasons, we encounter different perils that could pose risk to our vehicles. With all these different scenarios present in our lives, it may be difficult to keep track of how […]<\/p>\n","protected":false},"author":3,"featured_media":1266,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-1264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/1264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/comments?post=1264"}],"version-history":[{"count":0,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/1264\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media\/1266"}],"wp:attachment":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media?parent=1264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/categories?post=1264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/tags?post=1264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}