What's the difference between collision deductible and comprehensive deductible?
Asked by: Prof. Amparo Beer | Last update: October 3, 2025Score: 4.9/5 (16 votes)
Is it better to file a comprehensive or collision claim?
If you live in an area prone to such risks or have an expensive car, comprehensive coverage is a safer bet. If your car is older and its market value is low, skipping comprehensive or collision might save you money. On the other hand, for new or valuable cars, a mix of both could offer peace of mind.
Is it better to have a $500 deductible or $1000?
Generally speaking, yes, a higher deductible is the better choice long term. Especially if you have a good driving history.
When should you drop collision and comprehensive insurance?
Your vehicle holds a low value: As with collision, consider dropping comprehensive coverage if your vehicle's market value is lower than a few thousand dollars. Figure in your deductible as well and the potential insurance payout may not be worth the price of the coverage.
Is hitting a person a collision or comprehensive?
It would be covered under collision coverage. Collision covers damages anytime the car collides with another object.
What Is Comprehensive Deductible Vs. Collision Deductible? - InsuranceGuide360.com
Is a parked car hit collision or comprehensive?
Damage to your car is covered under collision and comprehensive coverage. In most cases, hit and run damage on a parked car is covered under collision insurance. This is an optional insurance coverage that pays for damage to your car if it hits another vehicle or stationary object or is hit by another vehicle.
Does a comprehensive claim raise rates?
Will comprehensive claims increase my rate? Yes, a comprehensive claim might increase your rate, depending on your insurer and state. Comprehensive claims include non-collision events like car theft, car vandalism, car fire, chipped/cracked windshield, hitting an animal, and acts of nature.
Do you have to have both comprehensive and collision insurance?
Some insurers require that you purchase collision and comprehensive insurance together, while other insurers may allow you to purchase these two types of coverage separately. Collision insurance pays for: Damage to your car in an accident you cause. Damage to your car if you hit an object such as a fence or pole.
Is hitting a tire comprehensive or collision?
This accident would actually be paid out under your collision coverage because you collided with the tire.
What comprehensive and collision deductible should I choose?
When selecting your comprehensive and collision deductibles, determine how much you'd be willing to pay out of pocket if your car was damaged. For example, if you have $500 in savings set aside for non-maintenance vehicle repairs, choose a deductible of $500.
What is a good car insurance deductible?
$500 is the most common car insurance deductible. Not every type of car insurance coverage uses a deductible. A higher car deductible can lower your insurance premium. You pick your deductible when buying insurance.
Is a credit score check required to get auto insurance?
Most insurers use credit checks to create a credit-based insurance score to help set your rate. Some insurers provide auto insurance with no credit check, which might seem appealing if you have a poor credit history.
Do I have to pay a deductible for hail damage to my roof?
Hail is typically a covered peril on standard homeowners policies, but your policy may have a separate deductible for damage caused by hail — especially if you live in an area prone to hailstorms.
At what point is collision insurance not worth it?
If your car is not worth a lot, you might want to drop the collision insurance. Always consider the cost of parts and repair before making a final decision. If you are a safe driver and are not likely to cause an accident, you might be better off to claim on the other driver's insurance if they were at fault.
How many comprehensive claims before insurance drops you?
Every insurance company sets its own benchmark for triggering a cancellation, but it is more likely that you'll face cancellation or non-renewal if you've made three or more claims within a three-year period. Most cancellations occur within the first 60 days of a policy, usually due to non-compliance.
Is comprehensive coverage worth it on a car?
If your vehicle's cash value is relatively low and you have a higher deductible, for example, it may not be worthwhile to carry comprehensive coverage. On the other hand, it may be worthwhile if your vehicle has a higher cash value, or you cannot afford the cost to repair or replace your vehicle out of pocket.
Is a cracked windshield comprehensive or collision?
In most cases, you need to carry comprehensive coverage for your car insurance policy to cover a cracked or broken windshield and other types of glass damage, but collision coverage often applies in an accident with another vehicle.
What is the 3 tire rule?
Simply put, most standard car insurance policies will not cover the cost of 3 slashed tires. However, this isn't for the reason that many people think. The popular myth is that your insurance provider would cover the cost of 4 slashed tires, but not 3. If you think this sounds a little silly, you're right.
Is hitting a pothole comp or collision?
Does insurance cover pothole damage? Yes, but only if you carry collision coverage. This coverage is optional, but it can cover you if you hit an obstacle such as a guard rail, telephone pole, or pothole.
When should you take collision off your car insurance?
Experts recommend that you may want to consider dropping your collision insurance if the annual cost of the optional coverage is more than 10% of your car's value.
Which of the following losses would be paid from collision coverage?
Collision coverage
Pays for damage to your car caused by physical contact with another vehicle or an object, such as a deer, tree, rock, guardrail, building, or person.
How much is collision vs comprehensive?
Comprehensive typically costs less than collision, according to Progressive, though the exact costs will depend on your vehicle, car insurance company, deductible, and other factors. Many drivers choose both comprehensive and collision, or you can opt to do just one or the other.
Why is my comprehensive deductible so high?
A higher deductible typically means a lower insurance rate, but you'll pay more out of pocket for repairs. If you know you can afford to pay for a larger portion of repair costs yourself and you never or rarely file claims, then a higher comprehensive deductible may work best for you.
How long does a comprehensive claim stay on your insurance?
In California, accidents typically stay on your driving record for a period of three years from the date of the accident. During this time, the accident will be considered a public record and, therefore, accessible by insurance companies, potential employers, and law enforcement agencies.
What is accident forgiveness?
What is Accident Forgiveness? Available in select states, Accident Forgiveness is an auto insurance coverage option that potentially helps you avoid a rate increase after your first at-fault accident. Others on your policy can also benefit from Accident Forgiveness. But it can only be used once per policy.