What is the difference between comprehensive (excl collision or upset) and collision or upset deductibles?

Question

If my comprehensive is 300 and collision or upset is 500, do I pay either or both if I get into an accident?

If I rear ended someone, do I have to pay either or both for the other driver's claim?

Answer 1

Any time you file a claim under YOUR policy for damage to your car, you pay your deductible.

An accident is a collision loss. You'd pay the $500. If your car gets vandalized, catches on fire, or is stolen, that's comprehensive - you'd pay the $300.

Rearending someone is a collision loss - $500. The damage you do to the other guy's car is property damage liability, not collision - you don't pay a deductible.

Answer 2

Collision coverages situations where your vehicle collides into things (car wreck, you back into a tree, vehicle roll over).

Comprehensive covers non collision damage (hit a deer, theft, vandalism, glass breakage)

If a collision causes the windshield of your car to break - you would only pay the collision ded - the replacement of the windshield would be covered under you collision.

If you hit a deer and then go off the road and hit a tree - your company would handle everything under the comprehensive coverage.

Insurance companies will attribute damage from 1 occurrence to one of the coverages and charge 1 deductible.


You hit a tree in a rain storm. Cause damage to your door. You drive the car home - get 1 mile down the road and run through a really deep puddle and flood out the engine of the car. This is 2 separate occurrences. The company would handle the tree damage as collision (less your deductible) and the flooded engine as comprehensive (less your deductible).

Answer 3

Collision Or Upset

Answer 4

each covers different perils. collision is just that. if you car collides w/ another vehicle or object or that other vehicle or object collides w/ your car then it is a collision claim. an overturn or upset is a form of collision. one exclusion is collision w/ an animal, that falls under comprehensive.

comprehensive is everything else that can physically happen to your car. fire, hail, glass breakage, theft, etc.