With the end of the year right around the corner, it’s a good time to take a look at your auto insurance coverage. At Suburban Auto Body in Minnesota, we know all too well the importance of having the right auto insurance policy when you need auto bodywork.

If you’re thinking of upgrading your auto insurance policy for the coming year, sorting through all of the options can prove challenging. In this post from our collision repair team at Suburban, we’re comparing collision coverage and comprehensive insurance to help you purchase the right policy for you. When you need insurance repair coverage, give us a call.

Understanding The Basics Of Insurance Coverage

Beyond the legally required liability coverage, there are two main types of automobile insurance coverage:

●      Collision coverage

Collision coverage is meant to cover the cost of damage to your vehicle in the event of any collision between your vehicle and another vehicle or object. Whether you hit a wall, a guardrail, or a light post, collision coverage will usually cover the cost of repairs. However, there are some limitations to collision coverage.

●      Comprehensive coverage

Comprehensive coverage pays for any damage due to vandalism, hail, fire, natural disaster, and just about anything else that can happen to your vehicle. When combined with collision insurance, this is known as a full coverage policy.

Collision And Comprehensive Coverage Basics

The main differences between collision and comprehensive coverage come down to the types of damage they pay out for. For both types of policies, your coverage limit will be your car’s actual cash value.

Both policies will also require you to pay a deductible anytime you file an insurance claim. You may be able to choose a higher or lower deductible depending on the policy you select. And although both types of coverage are optional by law, if you’re purchasing a car with a loan, you may be required to carry a certain level of insurance coverage.

Collision insurance typically covers the following:

●        Collision with another vehicle

●        Single-car accidents

●        Collision with stationary objects

Comprehensive insurance usually covers:

●        Theft

●        Fire

●        Animal damage

●        Falling objects

●        Natural disasters

●        Vandalism

Call Our Minnesota Auto Accident Repair Pros

At Suburban Auto Body in Minnesota, we work with drivers to help them navigate the insurance claims process and get back on the road faster with our Suburban EZ services. To schedule your auto insurance repair, give us a call at 651-633-8900 or contact us online to get your free quote on car accident repair. And check out these tips for staying safe out there!