Collision and upset insurance covers any damage to your vehicle caused by impact with another vehicle or object, for example a guard-rail, or any damage caused by your car rolling over.

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.

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.

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.

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.

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.

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.

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.

In the event of an accident, comprehensive insurance covers damage to a third party vehicle, injury to third parties, liability to passengers in the policyholder's car and also covers accidental damage to the policyholder's car. Up to €260 windscreen cover is also included with this cover.

Collision pays for damage to your vehicle in the event of an accident, regardless of whether or not another vehicle is involved. This insurance also provides you coverage if you are driving a non-owned or rental vehicle. top

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.

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.

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.

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.

I thought about this and thought about this and finally decided that Thursday morning I would call the doctor and give her my reasons for a double mastectomy. I could not believe I was going to have to fight to have my other breast removed. This goes against all that I am. My whole life has revolved around breasts and breastfeeding for almost five years now and here I am fighting to have mine removed. No possibility of breastfeeding ever again for me.

Travel insurance covers many aspects of your vacation from cancellation to medical coverage. It is strongly recommended and reasonably priced for the peace of mind it proivides you. Please see our Travel Insurance Information. Back to top