![\"comprehensive](\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2021\/08\/comp-collision-graphic.png\")
<\/figure><\/div>\n\n\n\nComprehensive and Collision Insurance Cover Your Vehicle<\/h2>\n\n\n\n
Both comprehensive and collision insure damage to your vehicle.<\/strong> The insurance company pays up to the “actual cash value (ACV)” of the vehicle, less your deductible. ACV is usually close to market value. The insurance company may declare a vehicle a total loss if the damage exceeds 75% of its value. Collision coverage applies when you strike a fixed object or another vehicle. For example, <\/p>\n\n\n\n Collision pays the cost to repair your vehicle, up to the Actual Cash Value (ACV).<\/p>\n\n\n\n Although commonly called “comprehensive” coverage, you won’t find that word in your insurance policy. Its official insurance name is “Other Than Collision”. <\/strong>Insurance nerds will correct you, lest you think that it really does cover everything. <\/p>\n\n\n\n But Other Than Collision coverage is pretty broad. It covers most other things that can damage your vehicle. For instance:<\/p>\n\n\n\n Glass damage is part of “other than collision” coverage. In fact, it’s the most common kind of comprehensive claim. Replacing a windshield may cost more than you think.<\/a> That’s why many people choose a lower glass deductible. This allows them to save money with a higher deductible for other comprehensive claims, but not pay $1000 for a windshield. <\/p>\n\n\n\n Keep in mind that most insurance companies waive the deductible for glass repairs<\/strong> vs. replacement. Many cracks and chips can be repaired so well that it’s hard to detect afterwards. <\/p>\n\n\n\n
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\n\n\n\nRelated Post: What Happens When a Vehicle is Totaled in Maine?<\/a><\/strong><\/span><\/h4>\n\n\n\n
\n\n\n\nCollision Coverage is Mostly What it Sounds Like<\/h2>\n\n\n\n
Comprehensive Insurance Really Isn’t<\/h2>\n\n\n\n
Should You Have a Special Glass Damage Deductible?<\/h2>\n\n\n\n
\n\n\n\nRelated post: When Should I Drop Collision Coverage? <\/a><\/strong><\/h4>\n\n\n\n
\n\n\n\nMaine Auto Insurance Questions? <\/h2>\n\n\n\n