Comprehensive vs. Collision Coverage: Understanding the Difference

Auto insurance can often be confusing, particularly when it comes to understanding the difference between comprehensive and collision coverages. At MaxGuard Insurance, LLC in Schaumburg, IL, we’re dedicated to simplifying this for you.

Collision Coverage

Collision coverage applies when your vehicle is involved in a collision, whether with another vehicle or an inanimate object. If you’re at fault, collision coverage will pay for the repair or replacement of your vehicle, up to its current value (minus your deductible).

Comprehensive Coverage

Comprehensive coverage is designed to cover damages to your vehicle that are not caused by a collision. This includes events such as theft, vandalism, fire, natural disasters, or damage caused by animals.

Choosing Between Collision and Comprehensive

At MaxGuard Insurance, LLC, our experts can help you assess your needs to determine the most suitable coverage for you. Factors to consider include the age and value of your car, your financial situation, and the level of risk you are willing to bear.