Deductibles for comprehensive or collision coverage are applied for each occurrence. A deductible is the dollar amount that you have to pay toward the loss before the insurance company begins to make payments on the loss. For example if you suffered a comprehensive loss (a deer hit) and that same day suffered a collision loss (a rock hit your windshield), your policy allows the insurer to apply two different deductibles.

Other Than Collision covers damage to the covered automobile from risks such as falling objects, fire, theft, explosion or earthquake, windstorm, hail, water or flood, vandalism, riot, contact with a bird or animal, or glass breakage. See similar questions...

Comprehensive provides coverage for most other direct physical damage losses you could incur. For example, Damage to your car from a hailstorm will be covered under comprehensive. See similar questions...

Comprehensive coverage pays for damage to your car which is caused by events other than a collision. It covers damages up to actual cash value for repairs to your vehicle after it has been stolen or damaged as a result of a covered event under comprehensive. Some examples are fire, flood, theft, vandalism, windstorm, hail, or falling objects. A common comprehensive claim can be a windshield. Collisions with an animal are also covered under the comprehensive coverage. See similar questions...

Collision covers accidental loss or damage to your snowmobile because of a collision with an object or another snowmobile or if your snowmobile is damaged if it rolls over. Comprehensive covers anything other than a collision loss. Examples of comprehensive losses that are covered include: vandalism, theft, fire, explosion, water or flood, contact with birds or animals, damage from falling objects. See similar questions...

Collision insurance and comprehensive insurance may vary by state. Generally, collision insurance covers damage to your automobile caused by a collision with another object, while comprehensive insurance covers damage to your automobile from such things as vandalism, theft, or glass breakage. See similar questions...

It may not be cost effective to have collision or comprehensive coverages on an older car, depending on its value. See similar questions...

Collisions with animals, as opposed to inanimate objects such as other cars, are covered under the comprehensive portion of your automobile policy. You should review your deductibles under both portions of the policy to ensure you have the coverage you need. When property in not insured as stated in the lien, the bank will force coverage and charge you for it. Forced coverage provides protection to the bank for their interest in their property and nothing else. See similar questions...

This is a form of automobile insurance that covers loss to the insured's own vehicle caused by collision with another vehicle or object (like a tree or wall, etc.). See similar questions...

Most finanCIAl experts agree that it is not prudent to carry this type of coverage if your cars value is less than $3000-3500. By the time you pay your premium for three or four years plus the deductible if a claim occurs, you usually are lucky to break even. See similar questions...

Specifics may vary from state to state. In general, collision insurance covers damage to your automobile that results from actual collision with another object, or by upset. Comprehensive insurance covers damage to your vehicle from such things as theft, glass breakage, or vandalism. Comprehensive coverage is quite often called "other than collision coverage." To cover most insurable auto physical damage situations, you must purchase both comprehensive and collision insurance. See similar questions...

A form of automobile insurance that covers (pays for) loss by fire, theft, vandalism, and/or falling objects. See similar questions...

A clause that provides payment of the collision deductible in the event the insured has an accident where an uninsured driver was at fault. It is sold only when Liability and Uninsured Motorist and Collision are written on the same policy. Most insurance companies require that the owner or operator of the uninsured vehicle be identified, or the uninsured vehicle is identified by its license number for the coverage to be allowed. See similar questions...

Collision covers the losses you suffer when your automobile is involved in an accident. For example, if you hit a car parked along the street, the damages to your car will be paid for under your collision coverage. Comprehensive covers losses to your vehicle not caused by an accident. An example might be a windstorm blowing a tree down on your car. This would be covered under your comprehensive coverage. Your vehicle being stolen would be another example where comprehensive would be applied. See similar questions...

Comprehensive" covers all perils except collision. Examples: losses by theft, fire, windstorm, flood, vandalism, falling objects, earthquake, hail, glass breakage, and more. "Collision" covers only one peril...collision. But it is the one peril (don't you love that word) that causes the most damage. That's why it is more expensive. See similar questions...

Both insure your automobile. Collision insurance pays for damages caused by a collision with another automobile or if your car is damaged. Comprehensive insurance includes theft, vandalism, damage caused by hail or other weather conditions, etc. See similar questions...

If you lease your car or have a loan on it, you probably will be required to have collision and comprehensive insurance. As your car gets older and loses value, you may consider buying a lower amount or even dropping these kinds of insurance. See similar questions...