What is collision and comprehensive on an auto insurance policy?

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I am a licensed insurance agent. Comp is if your vechile is stolen, or damaged by something other than a car which you will have to pay the dec. Coll is if you get into a car accident and say the person did not have insurance then your coll would kick in. But in most cases there property damage will cover you depending on the state. I am from Florida and it is a no falt state so it doesnt matter. You need to check with your agent and see your dectibable. I would suggest uninsured motorist just in case they don't have insurance your medical will be paid. But that has nothing to do with the com/coll. hope it helped.Tammy
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What are the definitions for liability insurance medical payments insurance uninsured motorist comprehensive and collision for auto insurance?

Answer . Liability insurance: The coverage found on any auto policy that handles damage you cause to another person's property, either directly or indirectly with your car.. Medical Payments Insurance: Can be either Medpay or PIP. PIP -- or "personal injury protection -- is required in many stat (MORE)

What does comprehensive auto insurance cover?

Comprehensive auto insurance covers theft, fire, vandalism, weather damage, riots, and other similar acts which may cause damage to a vehicle. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, or damage due to (MORE)

Will your premium go up if you file a claim on your comprehensive auto insurance policy?

It really depends on the circumstances of the claim, and if you were at fault. If you were at fault, and you need to use your comprehensive/collision to pay for your damages you probably will be looking at a noticeable increase unless you are over 35 and have never had an accident it may only go (MORE)

How can you obtain collision and comprehensive auto insurance on a vehicle with a salvage title in NJ Can you insure it under your homeowner's policy?

Homeowners insurance does not cover vehicles used on public roads. It should not be a problem. Geico insures salvage cars, as do mostinsurance companies. Just remember the car is worth less as asalvage if it's re-totaled the actual cash value of the car isabout 40% less than a comparable clean titl (MORE)

What does 'symbol age group' on comprehensive auto insurance mean?

Cost . \nCompanies use rating symbols for various things. Normally the vehicle symbol for comp/coll is based on the new purchase price of the vehicle. The higher the number the higher the insurance will cost. Some companies have their own symbols assigned to vehicles while most use the ISO (Insur (MORE)

What is Auto collision insurance?

Collision coverage pays to repair or replace your vehicle if you are determined to be 'at-fault' (you caused the accident). Typically, a deductible (amount you pay out of pocket) applies to this type of coverage. The most common deductibles are $500 to $1000, but can be lower or higher. Comprehen (MORE)

What is comprehensive auto insurance?

If you are in the process of quoting auto insurance, chances are the term comprehensive coverage has come up quite often. Comprehensive auto insurance coverage is a coverage that will pay to repair or replace your vehicle in the event of a covered loss up to the fair market value of the vehicle. Cov (MORE)

Does collision auto insurance cover auto defects?

Collision coverage covers a loss due to a collision, i.e. damage to your vehicle caused when your vehicle hit an object, or an object hit your vehicle. Defects and. mechanical problems are not covered.

What is comp and collision auto insurance?

Collision is meant to cover your car when it collides with something else. Comprehensive is also sometimes called other than collision, so it usually covers the other things that can happen such as fire or theft.

Can you get an auto insurance policy with no vehicle?

Yes, In the United States, It's called a Personal Non-owners Insurance Policy, sometimes referred to as a "Drivers Policy" or an "Operators policy". Non Owners insurance however is intended for "unplanned, unexpected" usage. It is limited secondary coverage (liability only) that only invokes once th (MORE)

When should collision insurance be dropped on auto?

This is just my opinion but if the car is over 7 years old, or has a K.B.B value of less than 10,000 USD. Unless of course its some sort of rare or luxury automobile then I can't judge when to get rid of it. It also depends on how "accident prone" you are. If you tend to get into accidents alo (MORE)

Can you get auto insurance on your parents' policy?

Yes, however I have seen a few cases where you may run into trouble. For example in an odd set of circumstances where a child lived with Grandma and because she was not the legal guardian they would not allow it as a permitted driver... this is rare and we were obviously able to find her another com (MORE)

Can you get collision insurance on a auto with a salvage title?

Doubtful.. Comprehensive Collision auto insurance is based on vehicle value which can be greatly affected by having a salvage title. The amount that the vehicle value can vary by having such title issues varies by vehicle. If you could find an insurance company to write such a policy it would most l (MORE)

What is collision auto insurance?

Collision insurance pays for damage that happens to your vehicle in an accident if it is your fault. It does not pay for the other vehicle or property involved in an accident. It is not required by law but it is highly recommend especially if you financed the vehicle and are still paying off the (MORE)

What is a writer on an auto insurance policy?

Auto insurance companies hire insurance underwriters, who can also be referred to as writers, to underwrite the risk a driver poses to the company. Underwriters determine how much a policyholder will pay for their insurance rates based on how much risk they carry. If a driver has tickets and acciden (MORE)

What does auto collision insurance mean?

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. C (MORE)

Does my USAA auto deductible collision and or comprehensive policy cover damages from someones pushing my car with her car with my permission?

Idiot! Why do you think I asked the question? Do you think I would have spent the last three hours attempting to have you & your totally incompetent staff provide an answer locally or beyond for me, had I had known the answer? Refer yourself(ves) to the nearest mental institution or brain transplant (MORE)

Do you need comprehensive and collision on a auto policy?

This really depends. For example- John has a 1992 Toyota Corolla. The car is worth about 2000 dollars. He has no lien or lease on it. He doesn't need comp or collision. Mary has a 2009 Toyota 4runner, its brand new, low miles and has a lien on it. Since she has a lien on it, she is required to ha (MORE)

What is the difference between comprehensive insurance policy and third party insurance policy?

The term, "comprehensive coverage" is usually used in the context of auto insurance. It is usually sold along with collision coverage. While collision coverage pays for the repair of collision-related damage or for the total loss of the vehicle if appropriate, comprehensive coverage is a little diff (MORE)

How do you get out of an auto insurance policy early?

If you have an auto insurance policy, and you want to either switch companies or cancel your coverage because your vehicle is no longer in commission, you have the right to do so. While the process of cancelling a policy will vary amongst insurers, most insurers will request a letter of cancellation (MORE)

Does auto comprehensive insurance pay off and replace auto?

Not as such. What you owe on your vehicle has nothing to do with the auto insurer's liability, except to the extent that the lienholder is usually named on the policy as a loss payee. If your vehicle is deemed a total loss in a covered incident under comprehensive such as a fire, theft, etc. then (MORE)

What do you call comprehensive and collision insurance if you have both?

We used to call this "full coverage" but insurance companies do not use the term "full coverage" anymore because there are always cases where there is no coverage. Such as damage done intentionally by the insured, and certain other rare occasions. I'm sure some lawyer sued when someone burnt their o (MORE)

What is the difference between full coverage auto insurance and comprehensive and collision insurance?

This is a good question. Full coverage was a term that used to be used in insurance to describe a policy that had liability, comprehensive, collision and any other endorsements that the client wanted such as rental coverage and whatever else. Due to it being the day of suing over everything we don't (MORE)

What is included in comprehensive auto insurance coverage?

Comprehensive auto insurance coverage covers the different types of events or accidents cause by falling objects, animals, extreme weather, theft, vandalism or riots. But it does not apply to any types of accidents with other cars.