{"id":6141,"date":"2021-09-01T11:47:00","date_gmt":"2021-09-01T17:47:00","guid":{"rendered":"https:\/\/www.noyeshallallen.com\/blog\/?p=6141"},"modified":"2021-08-20T11:12:30","modified_gmt":"2021-08-20T17:12:30","slug":"comprehensive-and-collision-insurance-whats-the-difference","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/comprehensive-and-collision-insurance-whats-the-difference\/","title":{"rendered":"Comprehensive and Collision Insurance &#8211; What&#8217;s the Difference?"},"content":{"rendered":"\n<p>Comprehensive and collision insurance is how most Maine people and businesses insure their vehicles. Though often lumped together, they&#8217;re really separate coverages. What&#8217;s the difference between them? Do you need both?<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2021\/08\/comp-collision-graphic.png\" alt=\"comprehensive and collision insurance cover damage to your vehicle\" class=\"wp-image-6218\" width=\"1004\" height=\"570\" srcset=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2021\/08\/comp-collision-graphic.png 1004w, https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2021\/08\/comp-collision-graphic-300x170.png 300w, https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2021\/08\/comp-collision-graphic-768x436.png 768w\" sizes=\"auto, (max-width: 1004px) 100vw, 1004px\" \/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Comprehensive and Collision Insurance Cover Your Vehicle<\/h2>\n\n\n\n<p>Both comprehensive and collision insure damage to <strong>your vehicle.<\/strong> The insurance company pays up to the &#8220;actual cash value (ACV)&#8221; 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.<br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-vivid-red-background-color has-vivid-red-color\"\/>\n\n\n\n<h4 class=\"has-text-align-center wp-block-heading\"><span class=\"has-inline-color has-vivid-red-color\"><strong><a href=\"https:\/\/www.noyeshallallen.com\/blog\/what-happens-when-a-vehicle-is-totaled-in-maine\/\" target=\"_blank\" rel=\"noreferrer noopener\">Related Post: What Happens When a Vehicle is Totaled in Maine?<\/a><\/strong><\/span><\/h4>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-vivid-red-background-color has-vivid-red-color\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Collision Coverage is Mostly What it Sounds Like<\/h2>\n\n\n\n<p>Collision coverage applies when you strike a fixed object or another vehicle. For example, <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You crash into another vehicle<\/li><li>Another vehicle crashes into you (even if you don&#8217;t know who did it)<\/li><li>You back into a post or building<\/li><li>You strike an object in the road<\/li><li>A runaway shopping cart scrapes your vehicle at the grocery store.<\/li><li>You damage your wheel in a pothole<\/li><\/ul>\n\n\n\n<p>Collision pays the cost to repair your vehicle, up to the Actual Cash Value (ACV).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comprehensive Insurance Really Isn&#8217;t<\/h2>\n\n\n\n<p>Although commonly called &#8220;comprehensive&#8221; coverage, you won&#8217;t find that word in your insurance policy. Its official insurance name is <strong>&#8220;Other Than Collision&#8221;. <\/strong>Insurance nerds will correct you, lest you think that it really does cover everything. <\/p>\n\n\n\n<p>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<ul class=\"wp-block-list\"><li>Fire<\/li><li>Theft<\/li><li>Vandalism<\/li><li>Glass breakage or cracking<\/li><li>Hitting an animal (that isn&#8217;t collision, believe it or not). <\/li><li>Flood<\/li><li>Tree branches, flying road debris and other falling objects<\/li><li>Hail<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Should You Have a Special Glass Damage Deductible?<\/h2>\n\n\n\n<p>Glass damage is part of &#8220;other than collision&#8221; coverage. In fact, it&#8217;s the most common kind of comprehensive claim. <a href=\"https:\/\/www.kbb.com\/car-news\/it-may-cost-more-than-you-think-to-replace-windshield\/\" target=\"_blank\" rel=\"noreferrer noopener\">Replacing a windshield may cost more than you think.<\/a> That&#8217;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<p>Keep in mind that most insurance companies <strong>waive the deductible for glass repairs<\/strong> vs. replacement. Many cracks and chips can be repaired so well that it&#8217;s hard to detect afterwards. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-vivid-red-background-color has-vivid-red-color\"\/>\n\n\n\n<h4 class=\"has-text-align-center wp-block-heading\"><strong>Related post:<a href=\"https:\/\/www.noyeshallallen.com\/blog\/when-should-i-drop-collision-coverage\/\"> When Should I Drop Collision Coverage? <\/a><\/strong><\/h4>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-background has-vivid-red-background-color has-vivid-red-color\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Maine Auto Insurance Questions? <\/h2>\n\n\n\n<p>If you live or own a business in Maine,\u00a0<a href=\"http:\/\/www.noyeshallallen.com\/policy-services\/contact-my-agent\/\">contact a Noyes Hall &amp; Allen agent<\/a>\u00a0for prompt, professional insurance answers. We offer a choice of many of Maine&#8217;s top business insurers. In other words, we can help you find the best fit and value for your insurance. Because we\u2019re independent and committed to you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comprehensive and collision insurance is how most people and businesses insure their vehicles. Though often lumped together, they&#8217;re really separate.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6141","post","type-post","status-publish","format-standard","hentry","category-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/6141","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=6141"}],"version-history":[{"count":10,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/6141\/revisions"}],"predecessor-version":[{"id":6221,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/6141\/revisions\/6221"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=6141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=6141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=6141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}