{"id":209,"date":"2020-03-25T04:00:00","date_gmt":"2020-03-25T10:00:00","guid":{"rendered":"https:\/\/www.swinsurance.com\/blog\/?p=209"},"modified":"2020-03-25T08:27:22","modified_gmt":"2020-03-25T14:27:22","slug":"comprehensive-collision-coverage-what-is-the-difference","status":"publish","type":"post","link":"https:\/\/www.swinsurance.com\/blog\/comprehensive-collision-coverage-what-is-the-difference\/","title":{"rendered":"Comprehensive &#038; Collision Coverage \u2014 What is the Difference?"},"content":{"rendered":"<p>An auto insurance policy involves three types of coverage &mdash; liability, collision, and comprehensive insurance. According to the insurance professionals at <strong>Southwest Insurance Center,<\/strong> liability is generally state-mandated. Each state sets forth its minimum insurance criteria.<\/p>\n<p>The difference between comprehensive and collision coverage is a crucial distinction for car owners living\/driving in and around the <strong>Austin, TX<\/strong> metropolitan area.<\/p>\n<p>Collision Coverage reimburses for damages and losses that are the result of an impact of your car with another vehicle or object. In general, collision insurance is not a legal mandate but maybe a lender requirement for those who lease or borrow money to buy their car. Collision coverage is provided despite who caused the accident.<\/p>\n<p>Collision coverage would likely have these triggers for insurance reimbursement &ndash;<\/p>\n<ul>\n<li>You hit a tree after losing control of the automobile.<\/li>\n<li>You dent your bumper by backing up into a cement pole in a dark parking lot. &nbsp;<\/li>\n<\/ul>\n<p>Comprehensive coverage for drivers in the <strong>Austin, TX<\/strong> area would include insurance coverage for anything else that may happen &mdash; other than that of an automobile collision. Examples of typical comprehensive coverage include damage or loss from &ndash;<\/p>\n<ul>\n<li>A fire.<\/li>\n<li>A car window was left open during a rainstorm.<\/li>\n<li>Vandalism.<\/li>\n<li>A tree falls on your car.<\/li>\n<li>Mother Nature &mdash; like a car hit by large hailstones.<\/li>\n<li>Striking an animal &mdash; this may vary by policy.<\/li>\n<\/ul>\n<p>Collision and comprehensive insurance reimburse the insured for damage and loss (i.e., physical damage) to the insured and insured&#8217;s automobile, as long as the <em>event <\/em>is not explicitly excluded from the insurance policy.&nbsp; When an automobile owner purchases both comprehensive and collision coverage, their policy will be considered a &lsquo;full-coverage&rsquo; auto policy.<\/p>\n<p>For additional information regarding insurance for your automobile, contact the insurance professionals at <strong>Southwest Insurance Center <\/strong>at 512-280-6100.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>An auto insurance policy involves three types of coverage &mdash; liability, collision, and comprehensive insurance. According to the insurance professionals at Southwest Insurance Center, liability is generally state-mandated. Each state sets forth its minimum insurance criteria. The difference between comprehensive and collision coverage is a crucial distinction for car owners living\/driving in and around the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[5,6],"class_list":["post-209","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-austin-tx","tag-southwest-insurance-center"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"agentinsure\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.swinsurance.com\/blog\/comprehensive-collision-coverage-what-is-the-difference\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Southwest Insurance Center |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Comprehensive &amp; Collision Coverage \u2014 What is the Difference? 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