I told them I only wanted liability and then they asked me if I wanted comprehensive and collision. He started rattling off something and I just dont get what its for.
2007-05-02 13:35:18 · 7 answers · asked by happydawg 6 in Cars & Transportation ➔ Insurance & Registration
Liability coverage is mandatory to have - each state has it's own minimums. Liability coverage is for bodily injury and property damage to OTHER vehicles - IF you are in any part responsible for an accident.
Collision coverage: Covers YOUR vehicle regardless of fault - when you are involved in a COLLISION - eg. accident with another vehicle, accident with a tree, single car accident - like roll over, accident with a pedestrian/bicyclist, etc... You of course, would be responsible for your deductible (which you would choose when you purchase your insurance policy).
Comprehensive coverage: Covers YOUR vehicle when you are involved in a COMPREHENSIVE loss - eg. tree falls on your car, animal runs into your car, car gets stuck in a flood, etc... Again you are responsible for your deductible, which you would choose - it is different from the collision - when you purchase your insurance company.
Most likely the agent will try to sell you Rental coverage - covers a rental car (there will be a per day/per accident limit), for when your vehicle is in the shop for repairs - you would want to have comp/coll before you purchase this coverage.
Med Pay (Depending on the state) - which covers medical bills up to a limit (you choose), regardless of fault.
UM/UIM/UMPD coverage - Uninsured/Underinsured motorist bodily injury coverage (for if you were hit by a UM/UIM driver and were injured), and Uninsured motorist property damage - if your car is damaged by a UM driver (there is usually a max of this coverage).
Some states have No Fault/PIP - i belive that is a coverage you HAVE to have, it is not optional - covers medical bills/wage loss regardless of fault in an accident, for you and anyone in your vehicle.
2007-05-03 04:31:36 · answer #1 · answered by S17V 4 · 0⤊ 0⤋
The comprehensive coverage applies only to vehicle damage. What the hell kind of animal did you hit to break glass? If you have Medical Payments or Personal Injury Protection (PIP) coverage then you will get your medical bills covered up to the policy limit. You are not entitled to a settlement for the injuries. In order to be eligible for a injury settlement their has to another party that is negligent. Then you could make a claim against THEIR insurance policy, but certainly not against your own comprehensive coverage. FYI, I have been involved in claims where a person driving at night hit a horse or cow on the road. They made injury claims against the owner of the animal. In many states the owner of the horse/cow has a legal duty to keep the critter secured. If you hit a horse/cow you might want to check into your local laws regarding this issue. Your St. Farm adjuster should be able to help you with info onthese laws. Good Luck.
2016-05-19 02:39:37 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Liability does not cover your car, it only covers damage and injuries you do to others. Collision and upset covers your vehicle for just that, dollision and upset damages. Comprehensive covers your vehicle for just about everything else, like fire, theft, vandalism, hail, lightning, vermin, etc.
2007-05-03 10:34:04 · answer #3 · answered by Fred C 7 · 0⤊ 0⤋
comprehesnion and collision is full coverage on your vehicle comprehension is for theft, vandalism, and collision when you collide into somthing like another car, tree, house etc, check out globalwideinsurance. com for all insurance quotes
2007-05-02 15:26:08 · answer #4 · answered by INSURANCE MAN 1 · 0⤊ 0⤋
Comprehensive covers you if you hit a deer, you car gets vandalized, or from theft.
Collision covers you if you vechicle gets damaged in a parking lot and you don't know who did it.
2007-05-02 13:44:00 · answer #5 · answered by ashes2angel83 2 · 0⤊ 0⤋
If you don't understand the agent, make them keep explaining it in simple terms until you do understand it. That is their job. If they are not willing to do that for you, find another insurance company and agent who will do the job they are supposed to do! Insurance of any kind is not something to go into without a complete understanding.
When the agent explains something to you, once you think you understand, state your understanding back to them in your terms and ask if that is correct. Do this until you are certain you understand.
2007-05-02 13:45:10 · answer #6 · answered by CountryLady 4 · 0⤊ 1⤋
What you have covers the damages to other cars.. not your own.
Collision covers your car in an accident
Comprehensive covers it in anything thats not an accident.. for example... theft, fire, vandalism, etc.
2007-05-02 13:51:07 · answer #7 · answered by Anonymous · 0⤊ 0⤋