Understanding Comprehensive and Collision Coverage in Pa
In today’s blog we’re going to continue our ongoing series regarding the ins and outs of buying auto insurance in the Commonwealth of Pennsylvania with Attorney Joshua B. Goldberg.
Today’s topic is: Understanding comprehensive and collision coverage.
Now you’ve probably heard of these two coverages. And you probably understand that they are the coverages that protect your vehicle in the event that you’re in an accident.
Let’s take a deeper dive into comprehensive and collision coverage in Pa.
What is comprehensive coverage?
Comprehensive coverage is for things that occur that aren’t necessarily a car versus car auto accident.
That could be: a tree falls on your car, or maybe you run over something in the roadway, or a deer jumps into your car.
These types of accidents don’t involve other motorists, and are what’s covered under comprehensive auto insurance coverage.
Why should I have comprehensive coverage?
Let’s say, you park your car on the street, and it’s a stormy night. A tree branch falls and smashes your windshield, oh no!
Or maybe, you parked in your grouchy neighbors spot and you wake up to slashed tires.
In both scenarios, comprehensive coverage will protect you.
Your insurance will cover the cost to repair the damage after you pay your deductible, protecting you from significant out-of-pocket expenses.
What is collision coverage?
Collision coverage is exactly what is sounds like: It’s auto insurance coverage for incidents where two vehicles strike each other.
You do have typically deductibles for this coverage. It is up to you how much you want that Deductible to be
Most people have $500 deductibles.
At Arm layers were always willing to take a look at your declaration page to make sure that you’ve purchased the proper insurance to protect your interests.
Why should I have collision coverage?
Collision coverage helps cover the cost to repair or replace your vehicle if it’s damaged in an accident, regardless of who is at fault.
This coverage typically comes with a deductible, which you can adjust based on your premium payments.
Most people in Pennsylvania opt for a $500 deductible.
Utilizing Collision Coverage
Imagine you’re driving home from work and get into a minor accident with another car at an intersection. Both cars are damaged, but thankfully no one is hurt.
The other driver was at fault, but they don’t have insurance.
With collision coverage, your insurance company will pay for the repairs to your car after you pay your deductible.
This means you won’t be stuck with a hefty repair bill just because the other driver is uninsured.
Why You Need Both Collision and Comprehensive Coverage
While collision coverage protects against vehicle-to-vehicle accidents, comprehensive coverage provides a safety net for a variety of other incidents that can damage your car.
Together, they ensure you’re protected in a wide range of scenarios, offering peace of mind in a many different scenarios that could otherwise be very expensive and stressful without the right comprehensive and collision coverage.
Key considerations for choosing comprehensive and collision coverage
- Deductibles: Choose a deductible that balances your ability to pay out-of-pocket with the desire to lower your premium.
- Coverage Limits: Ensure your coverage limits align with the value of your car and your financial situation.
- Additional Coverage: Consider additional options like rental reimbursement, roadside assistance, and gap insurance to further enhance your protection.
Comprehensive and Collision Coverage Working Together
Collision and comprehensive coverage are essential components of a robust auto insurance policy.
They provide protection against a wide array of potential damages to your vehicle, whether from an accident, natural disaster, theft, or vandalism.
By understanding and choosing the right coverage options, you can safeguard your vehicle and ensure you’re prepared for whatever comes your way.
Always review your policy details and discuss with your insurance agent to tailor the coverage to your specific needs and circumstances.
Been in an auto accident? Contact us for a free consultation
If you have any questions regarding auto insurance coverage, or you’ve been in an accident and need to speak with an attorney, please reach out and schedule a free consultation with Attorney Goldberg.
