Not sure about the difference between comprehensive and collision insurance in Salt Lake City? You’re not alone! These are two very important parts of a full coverage car insurance plan, but they cover very different things. It’s important to understand what makes them different so you can be sure you’re choosing the right options for your own policy. Of course, we’re here to help with that too! 

Comprehensive vs. Collision Insurance

It can be challenging to truly understand the difference between the two which is what we’re here to help you with. Here’s a quick overview to get you started.

Comprehensive insurance

First of all, comprehensive insurance covers things that may have caused damage to your vehicle when you’re not at fault. These are things that are beyond your control such as the weather, theft and vandalization. 

Comprehensive insurance also takes other special circumstances like hitting an animal while driving into account as this is something that would also be considered out of your control.

What comprehensive insurance doesn’t cover is damage that’s related to at-fault accidents.

Collision insurance

Collision insurance will cover your vehicle if you happen to be in an accident, regardless of whether or not you were at fault. That could be a collision with another vehicle or if you are to hit a stationary object.

Collision insurance does not cover any of the damages that are covered by comprehensive insurance (weather damage, etc.). It also would not be there to cover any medical costs or costs associated with the damage of another person’s vehicle. In this case, you would need liability insurance if you wanted to have coverage.

Still not sure if you need comprehensive insurance, collision insurance, or both? Give us a call! Our experts are readily available to help you find the perfect coverage options for your needs.