At Southwest Insurance Center, the agents who serve the Austin, TX area offer their advice to their customers to ensure they always have the right type of car insurance in place at all times. Collision insurance is a good choice for those who don’t necessarily want the added expense of a comprehensive policy. They have to remember, however, the limitations a collision policy bring with them.
Hitting Another Car
Collision coverage protects you against damages caused by any type of collision. Whether you hit another vehicle or they hit you, the damage that results would fall under the protection of a collision policy. This would also include limited coverage for any injuries sustained by either party from the collision. Collision policies are designed to cover only the damages that are the result of an accident that involves a collision.
No Comprehensive Coverage
Collision coverage does not cover any of the other types of damage that a comprehensive policy does. It will not cover theft, broken windshields, or any other type of damage that is often claimed. Rocks that are kicked up and damage windshields or chip paint off of your car are not covered by a collision policy.
While many people sometimes confuse collision and comprehensive policies, they are quite different. In Austin, TX, the agents at Southwest Insurance Center are always available to explain the differences and go over your policy with you to make sure you have the types of coverage you both need and want. Contact the office today to set up a consultation and go over your policies. Reviewing your policies and bringing them up to date may save you money!