What is the difference between collision physical damage coverage and comprehensive physical damage coverage? Both collision and comprehensive are Part D coverage s.
Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive provides coverage for most other direct physical damage losses you could incur. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage. It is important to know the differences between the collision and comprehensive coverage s for a couple of reasons. First, in order to make an informed purchasing decision about these optional coverage s, you need to know the difference between them. Second, the deductibles under the collision and comprehensive coverage s are often different in amount. leabul1e.gif (997 bytes)Back to Top What should I do if I have an accident? The duties you need to perform after you have an accident are prescribed both by state law and by the terms of your contract.
