The key difference in collision vs. comprehensive coverage is to a certain extent the element of the car driver’s control.
Collision insurance will typically cover events within a motorist’s control, or when another vehicle collides with your car. Comprehensive coverage generally falls under “acts of God or nature”, that are typically out of your control when driving such as a spooked deer.
Did you know that without comprehensive coverage, you cannot make a car insurance claim if your vehicle receives damage that is considered “other than collision” damage by your insurer? Natural causes, theft, vandalism, hitting a deer are just a few of the many instances that happen that are not covered under your typical car insurance policy unless there is someone else found liable for the damages that you can go after for repair costs.
According to the National Highway Traffic Safety Administration, there are about 1 million car accidents with deer each year that kill 200 Americans, cause more than 10,000 personal injuries and result in $1 billion in vehicle damage.
Male deer are more active and less cautious than usual during rut season which lasts typically 1 to 3 months. So making a claim against the deer that so graciously ran in front of your car, totaled it, and then continued to run away after his bride may take some time. Please note we cannot hold the deer responsible.
With a newer, higher valued car, you will usually want this added protection. Buying a new car is exciting, but hitting a deer 2 months later and having to pay out of pocket to replace/repair the vehicle is nowhere near exciting.
Allstate allows you to choose a deductible for your comprehensive insurance, typically anywhere from $100 to $2500. Please remember that the higher you set your deductible, the less you can expect to pay on your premium, but the more you’ll pay out-of-pocket in the event of a claim. If you own a slightly older vehicle, such websites as Kelley Blue Book (KBB) is a good source to check the value of your car to see if comprehensive coverage is something that you need.
With deer season in full swing, maybe it’s time to quickly review what your car insurance coverage will and will not cover. Text (we have an online chat feature on our website), email or call your Insurance Architect to bring you up to speed and keep your car out of a rut.