What Is The Difference Between Comprehensive And Collision Coverage On Your Auto Insurance In Georgia?

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A question we hear pretty frequently is: what is the difference between collision and comprehensive coverage for car insurance? For those that do not work in property and casualty insurance, this is a very common question. 

These days, when someone says they have "full coverage", what they really mean is that they carry comprehensive and collision coverage. These are the two coverages that a lienholder will require you to carry on your auto insurance if your car is financed or leased. These coverages will pay to fix or replace the vehicle if the damage is not due to another driver. 

So What Does Each One Cover?

Comprehensive 

Comprehensive coverage on your Georgia car insurance policy will pay to fix or replace your vehicle if it the damage is not caused by you or another driver. So what things does it cover? It will cover things like: glass damage, storm damage, damage from something falling (like if a tree fell on your car), and it will replace your car if it is stolen.

One of the less common comprehensive claims is when you put the wrong type of gas in your vehicle. We had a claim one time where a client put regular gas in a diesel truck. It ended up costing several thousand dollars to get this fixed. 

Aside from covered claims, one of the big differences between collision and comprhensive coverage is with deductible options and cost of insurance. Most insurance companies will allow you to carry a comprehensive deductible as low as $0 whereas the minimum for collision is usually $250. In addition, compohrnesive coverage is always far less expensive compared to collision coverage, so lowering the deductible for this coverage is going to be much less expensive.

Collision

Collision coverage on your Georgia auto insurance policy pays to fix or replace your car if you are at-fault for the damage. Whether you cause an accident on the roadway, hydroplane in a ditch, or back into a pole, your collision coverage will be used to fix or replace your vehicle. 

As discussed above, collision coverage is far more expensive than comprehensive coverage, which leads most clients to choosing a higher deductible, usually $500 or $1,000. 

How We Help Clients Get The Best Auto Insurance In Georgia

At the Roberts Insurance Group, we work with our clients to help build a coverage plan that works best for them and their family, so that their auto insurance works exactly how they want it to when it comes time to file a claim. This includes advising on whether or not to carry comprehensive and collision coverage and what deductibles to choose. We will shop around your ideal coverage with dozens of the best insurance companies in Georgia to find the very best price for the coverage you need on your car insurance. 

Give us a call at 678-250-8133 or click below to get your cars properly insured and to start saving money today!

The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business.

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