I noticed while looking at car insurance quotes online that there is a separate deductible for collision and comprehensive incidents. I think I have an understanding of the difference but I need to know which of those deductibles would apply to a situation where someone crashed into my car while it was parked in a public parking lot. The person fled the scene leaving no note. My deductibles are different amounts for each type so I need to know which one would pertain to this situation. Thanks.
By car insurance | 5 Comments
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May 21, 2010 @ 7:39 am
It would be under your collision coverage. Comprehensive coverage covers only fire, flood, animal damage as well as stolen car.
May 21, 2010 @ 8:21 am
Collision.
May 21, 2010 @ 9:17 am
It’s collision.
May 21, 2010 @ 10:08 am
Collision
Pays the actual cash value of damages to your covered auto (up to the auto’s actual cash value) caused by an impact with another vehicle or object. The amount of your deductible will be subtracted from any settlement. You may want to consider this coverage if your auto is seven years old or newer.
Example: While backing out of a tight parking space, you hit the vehicle next to you. Your collision coverage will pay for damages to your vehicle, beyond your deductible, caused by the impact.
Comprehensive
Pays for losses to your covered auto (up to its actual cash value) which are not caused by collision. This includes damage caused by fire, theft, glass breakage, riot, windstorm and hail. The amount of your deductible will be subtracted from any settlement.
Example: Vandals break your windshield and spray paint on you car. Comprehensive coverage will pay to restore your vehicle to the condition it was in prior to the incident. You pay only the deductible amount.
May 21, 2010 @ 10:47 am
This would be a collision claim.
Comprehensive covers animal losses(like hitting a deer), vandalisms, nature, acts of god, etc. Basically anything other than another vheicle hitting your vehicle.