{"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":[],"_links":{"self":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=209"}],"version-history":[{"count":1,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/209\/revisions"}],"predecessor-version":[{"id":210,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/209\/revisions\/210"}],"wp:attachment":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}