Hablamos Español

Collision vs Comprehensive Auto Insurance: What’s the Difference?

Every state in the US requires automobile operators to have insurance. However, there are different types of auto insurance that you can get. The two most common types of auto insurance are collision and comprehensive. Each type is a bit different and covers different things.

Collisions insurance is meant to cover any damages to your vehicle that may be sustained in an accident. Collision insurance covers frame and mechanical damage and may pay the reasonable value of your vehicle if it is totaled.

Comprehensive insurance covers damages to your car from any non-collision event, such as theft, vandalism, or hail damage.

Despite the name “comprehensive,” comprehensive coverage does not actually cover everything. Comprehensive coverage often does not cover any collision damage, which is why insurance companies often bundle collision and comprehensive coverage into a single bundle.

Collision coverage is primarily meant to cover your vehicles from accidents with other cars and objects. Most of the time, collision coverage will handle damages to both your car and the other driver’s car. It will also generally cover any damages caused by uninsured drivers.

Most of the time, collision insurance will cover the amount for repairs. However, if the repairs exceed the total amount of the car, you will only be reimbursed for the book value of the car. Most of the time, people will just use that payment to buy a new car.

Comprehensive coverage is reserved for when your car is damaged by incidents, which are not the same as collisions. Comprehensive coverage is reserved for damages not caused by other automobiles and vehicles. Comprehensive coverage policies are usually on a named peril basis. That means that it will only cover specific incidents that are listed in the insurance agreement.

Do I Need Both Kinds of Car Insurance?

No, you don’t need to have both kinds of car insurance. You actually do not have to have either type of insurance. Many drivers have policies that don’t include collision or comprehensive coverage. The required forms of insurance are meant to cover damages to other drivers and their cars that you may cause. Most states have minimum insurance provisions that require you to have some sort of liability coverage in case you damage someone else’s car or property.

Also, if you have a loan on your car, your loan holder will probably require you to have both collision and comprehensive coverage.

We know the hours, days and weeks following a critical accident can be a nightmare. Contact the Indianapolis Car Accident Lawyers at Hurst Limontes LLC to get a consultation on your personal injury case today!

Contact Us For a Free Consultation Fill out the form below to receive a free and confidential initial consultation.

    FAQs
    Our Fees

    It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

    If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

    If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

    Our Fees

    It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

    If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

    If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

    Case Worth

    As a victim, establishing damages, negotiating with the insurance company, or filing a lawsuit can be daunting and next to impossible without the assistance of an experienced lawyer. As a result, if you have been hurt in an accident, it is important that you contact an attorney as soon as possible to help you recover the compensation to which you are entitled under Indiana law.

    Why Hire?

    Choosing an attorney that has experience dealing with personal injury law is important to protect your legal rights. If you are trying to recover damages from a business or other type of organization, you can bet that they are going to have a legal team on their side.

    Medical Bills

    If you were injured by an accident you may be struggling to determine who is responsible for paying your medical bills and holding them accountable. Speak to an experienced personal injury lawyer at The Law Office of Hurst Limontes LLC and learn if we may be able to help.

    Recovery

    After you have been injured, you are entitled to compensation. The type and amount of compensation depends on the injury, bills, the cause of the injury, negligence/bad faith of the defendant, etc. The attorney you retain can also heavy influence your recovery through knowledge, experience, and dedication. Legal terms and phrases can be confusing even after you retain an attorney. If you have been injured, you may wonder how much your case is worth or what your “damages” are. The worse the injuries, the higher the value of the case and the greater need for an experienced attorney