Comprehensive and Collision Coverage

Collision and comprehensive coverage offer you protection when your vehicle is damaged either in a collision or other-than-collision. Comprehensive is the term used for other-than-collision.

With basic liability coverage, your auto insurance policy will only cover damage to other people and their property in a collision. It does not cover the cost of repairing your own vehicle. It does not include collision coverage and New York does not require you to carry collision coverage. Basic liability coverage is the bare minimum you are required to purchase in New York. 

​What is Collision Insurance?

Collision insurance covers the cost of repairing or replacing your vehicle if it is damaged in an accident. It will cover you for accidents where you are at fault as well as for accidents that were the fault of the other driver. Situations that collision insurance would cover include:

• Your car collides with another vehicle
• Your car hits an object, such as a tree
• Your car rolls over

What is Comprehensive Insurance?

Comprehensive insurance includes incidents that are not categorized under collision insurance. These include:

• An object falls on your car, such as a tree
• An animal collides with your car
• Your car is damaged due to a fire or natural disaster
• Your car is vandalized or stolen

Should I Buy Both?

You pay more when you carry collision and comprehensive on your policy, but you also get significantly more coverage than with just basic liability. When you purchase both, you are fully covered in all situations. You can relax knowing your car is fully covered.

Many people do not purchase either for an older vehicle. The older vehicle might not be worth much money and repairs to fix the car might not be worth the extra cost.

You Might Be Required to Buy Both

If you finance or lease your vehicle, then the loan company will require you to add both collision and comprehensive to your vehicle. In this situation, you don't fully own the vehicle. The lender is protecting the collateral that secures the loan. Once your loan is paid off, the lender can be removed from your policy and you have the option to remove collision and comprehensive insurance.​

Pepe Insurance Agency is your trusted local insurance agent located at Poughquag, NY in Dutchess County. We do our best to make sure that our clients are well-protected with affordable auto insurance. We make sure to go the extra mile to help you with your needs. To learn more about auto insurance and to obtain a free quote, click on the button below.

Auto Insurance