The difference between Comp and Collision

Do you know the difference between Collision coverage and Comprehensive coverage for your vehicle? First up -- these are the two main coverages that protect your car:

Collision: With Collision coverage, the insurer will pay to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who is at fault. When you buy Collision, you choose a deductible, typically $250 or $500 but can go higher. This is the portion you pay if you have an accident. Remember, the higher the deductible, the lower the premium. The insurance company then pays for the remaining costs to bring your vehicle back to pre-accident condition.

Comprehensive: With Comprehensive coverage, the insurer will pay to repair damage to your car that's caused by something other than a collision, such as fire, theft, vandalism, hail, or flood. They also pay for damage caused by hitting an animal, and they pay for a rental vehicle if your car is stolen when you have rental coverage listed on your policy as an additional coverage. Like Collision, when you buy Comprehensive, you choose a deductible.

For more information contact Mars Insurance or visit our website at http://www.marsinsurance.com/

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