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you have just by switching your car insurance and you are on the way home from the car insurance office, and represents a significant other question to you. What is the difference between collision and comprehensive coverage in the auto insurance world While we all know that you know the answer and do not need all the help that after a few paragraphs of a brush up to your great knowledge.

Think about collision coverage than anything to do with the vehicle and another vehicle. In the auto insurance world collide two cars can not claim a comprehensive, but a car and another object can be a collision claim. For example, if you have a minor fender bender with another vehicle in traffic is that a collision claim. However, if a tree falls over no reason and falls on the car that a comprehensive claim.

Auto insurance is generally recommended that you use a lower deductible on your comprehensive insurance coverage for a number of reasons. Firstly, your comprehensive deductible not change your premiums all that much for a reason that flows directly into point number two. Secondly, comprehensive coverage of a lower deductible for very little, because generally you're not on a comprehensive risk for injuries as you are responsible for the collision accidents.

In short, auto insurance collision coverage viewed as a cover for your vehicle striking another object, that a vehicle or a pole, etc. complete on car insurance than what these things that are out of your control, such as fire , vandalism, floods and hail, etc. Do not believe the hype that the liability coverage is everything you need for your vehicle, you need comprehensive and collision coverage if you hope that your vehicle ever again.

Steve Newsome is an auto insurance expert who writes daily for a popular auto insurance blog. For more on car insurance, read more from Steve on his car insurance blog!