Collision Versus Comprehensive-The Great DebateThis time of the year you will probably see an abundance of deer roaming along roadways and wooded areas, especially during dawn and dusk.  This time of year also means you need to drive defensively in an effort to avoid deer and other road hazards, such as ice, snow, or even distracted drivers.  With an increased potential of auto accidents during the fall and winter months brings us to the continued discussion of whether an accident is covered under collision or comprehensive coverage under the typical Alabama auto insurance policy.  Let’s take a look at collision versus comprehensive- the great debate continues.

Collision and Comprehensive Coverage Defined

While some people may think of collision and comprehensive as being “one” coverage, it is actually two very different coverages available under a typical Alabama auto insurance policy.  Collision coverage can be optional (*conditions may apply) and is designed for protection of an auto when damaged while colliding into another car or object.  For example, if you collide into another car, this coverage option pays for the damages to your vehicle, (less any applicable deductible) without consideration for the other vehicle’s damages.  Another example is if you are driving your vehicle and you run off the road and hit a tree head on.  The damages to your vehicle would be handled under collision coverage, less any applicable deductible.        

Comprehensive coverage (an optional coverage option) is designed to protect the insured car in question from anything “other than collision” which may include theft, vandalism, fire, or damages caused by animals or weather.  A rule of thumb when deciphering between the two is comprehensive coverage typically handles situations and losses that are considered “Acts of God” and therefore, out of our control.  For example, if a snowstorm occurs and a huge limb falls onto your car, the loss would be handled under the comprehensive portion of your auto insurance policy, less any applicable deductibles.

Although comprehensive coverage is optional it may be wise to consider having it.  Think of it as protection for your vehicle for unfortunate or unpredicted types of losses that can happen.  Some examples of a comprehensive loss include, but not limited to:

  • You hit a deer while driving home from work and your car has significant front-end damages.
  • A hailstorm comes up quickly and damages the hood and roof of your vehicle.
  • Your car is vandalized.
  • Your car catches fire and the damages are enough to render it a total loss.
  • A snowstorm causes a heavy branch to fall on your vehicle resulting in damages.

Questions About the Great Debate?

If you have any questions about either of the two coverage options available under your Alabama auto insurance policy, please contact us at Burkett & Associates TODAY.  We can help you decide whether it is mandated or optional and can review what suits your particular needs and budget.  Call us today at 256-704-7400 for all your Alabama auto insurance needs.