Comprehensive & Collision Coverage Explained
Let’s face it, accidents happen. The question that keeps car accident lawyers up at night is, “who is going to pay to make things right?” Two of the most common insurance coverages are comprehensive and collision insurance coverage. Have you ever gotten into an accident and wondered if the damage was going to be covered under your comprehensive insurance coverage or your collision insurance coverage? Oftentimes, your comprehensive and collision coverage have two different deductibles and different impacts on your insurance policy. There are several types of automobile policy provisions that may protect against property damage to the insured vehicle. One of the most seen policy provisions is collision insurance. Contrary to comprehensive coverage, collision insurance coverage will respond if your car is damaged due to a covered accident involving another driver/vehicle. Collision coverage pays for repairs to your vehicle or replacement of your vehicle if the damage exceeds a certain threshold. Some of the most common scenarios where your collision insurance can come in handy include accidents where another vehicle strikes your vehicle, rollover accidents, damage to your vehicle due to poor road conditions, or damage to your vehicle if you strike a tree or light pole. In this blog post, I am going to explain the difference between comprehensive and collision coverage.
Comprehensive Coverage: This coverage is used when your vehicle is damaged by an act of nature or if it collides with another animal or falling object and it damages your car. For instance, let’s say that you are driving down the road and a herd of deer jump out in front of your vehicle. If you hit one of the deer, the damage to your vehicle will be covered under your comprehensive insurance coverage. Moreover, if you’re driving down the road and an airborne tire flies off a truck causing damage to your car, that would also likely be covered under your comprehensive insurance coverage.
Collision Coverage: This type of coverage is used when your vehicle is damaged by a stationery object or another vehicle. Collision coverage is the coverage most used when your vehicle is in an auto accident with another vehicle. For instance, if you’re driving down the road and a tire is sitting in the middle of the road and you collide with it, that would be covered under your collision insurance coverage. Also, if you drive off the road and get your car stuck in a ditch or an embankment, that damage would also be covered under your collision insurance coverage.
Contact our Miami Accident Lawyer Today!
Car accidents are a huge issue for drivers in South Florida. If you or a loved one has been injured in a car accident in South Florida due to another driver’s negligence, the car accident attorneys at Suarez & Montero are here to help you get the compensation you rightly deserve. The Law Offices of Suarez & Montero Car Accident Attorneys is a personal injury law firm with locations in Miami and Broward. Personal injury law is constantly changing; thus, it is important to pick a lawyer who is up to date with these changes and specializes in handling personal injury cases only. Many attorneys specialize in other practice areas such as bankruptcy or criminal law and handle personal injury cases on the side. Unlike other firms that handle cases in other areas of law in addition to their personal injury section, our firm is 100% dedicated to helping victims in personal injury cases and has been doing so for over 19 years. If you or someone you love has been involved in an accident, contact us today for a free consultation.
We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.
