Collision and comprehensive coverage are two types of auto insurance in Hialeah, Florida help protect you and your vehicle in the event of damage or loss. Here’s how they differ:
- Collision coverage: This type of insurance covers damage to your vehicle in the event of a collision with another vehicle or object, regardless of who is at fault. If you’re involved in an accident, and your vehicle is damaged, collision coverage will pay for the cost of repairing or replacing your vehicle, minus your deductible. If your vehicle is deemed a total loss, collision coverage will pay you the actual cash value of the vehicle at the time of the accident.
- Comprehensive coverage: This type of insurance covers damage to your vehicle that is not the result of a collision, such as theft, vandalism, or damage from natural disasters like floods, fires, or hail. If your vehicle is damaged in one of these ways, comprehensive coverage will pay for the repairing cost or replacing your vehicle, minus your deductible.
Together, collision and comprehensive coverage make up what’s known as “full coverage” auto insurance. While they are not legally required, they can provide valuable protection and peace of mind for drivers. It’s important to note that each business insurance company may offer different coverage limits and deductibles, so it’s always a good idea to shop around and compare quotes to find the right coverage for you.
J.E. Insurance Associates DBA Amco Insurance is a team of insurance experts in Hialeah, Florida, that can help you choose the right auto insurance policy that best fits your needs.
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