If you don’t know the difference between comprehensive and collision insurance, you’re definitely going to want to take a moment and learn what sets these two types of coverages apart from one another as both are crucial to have if your vehicle has been involved in any type of accident.

Involved in a car crash in Yuma, AZ? Let an accident lawyer help you recoup the money you need to help pay for vehicle repairs, medical expenses, and more.

We can’t predict when an accident is going to happen but we can protect ourselves for when the unexpected wreck transpires. How do we protect ourselves? One way is by practicing safe driving and reminding our friends and family to do the same. The second way is to purchase insurance coverage. Aside from purchasing auto insurance just to meet Arizona’s minimum insurance requirements, you need to know a little more in-depth how each type of coverage protects you and what limits you should purchase.
For the sake of this article, we are going to focus our attention on comprehensive coverage vs. collision.

What’s the difference between the two?

Collision car insurance is one type of coverage that you want to have if you’re involved in a wreck. Collision insurance will pay for the damage your vehicle sustains when involved in an accident with another vehicle. So, let’s say you rear-ended another driver and damaged your bumper. Your collision coverage, depending on how much you purchased, should help pay to repair or replace your vehicle.
It is important to recognize that collision coverage is not the same as liability insurance. Liability insurance pays for the damage you cause to someone else’s vehicle. Although the State of AZ doesn’t require you to have collision coverage, the law does state you must carry the following amounts of liability insurance:

  • $15,000 per person and $30,000 per accident for bodily injury coverage.
  • $10,000 per accident for property damage coverage.

[Source: Arizona Department of Insurance].

Comprehensive coverage differs from collision insurance as it is used to pay for damage your vehicle sustains that was caused by “theft, vandalism, or hail, which are not collision-related” [Source: Nationwide]. So, if you hit an animal while driving or an object fell on your car, your collision coverage would pay for the repairs your vehicle needed to have done. Because most states do not require that you purchase comprehensive or collision coverage but rather only purchase liability insurance, many drivers choose not to add these two coverages onto their policy. But there is a downside to not purchasing any additional coverage aside from what the State of AZ requires you to have.

Getting the money you need and deserve after a car accident isn’t always easy. If you need help recovering funds from your insurer or an at fault party, contact a Yuma, AZ accident attorney today.

When you don’t have enough coverage, you risk not getting enough money to cover repairs, medical bills, rental expenses, etc. so, to ensure you have enough auto insurance, consider what you can afford, the area in which you live in, and the value of your vehicle. In the event you were involved in a crash in Yuma, AZ and aren’t able to recoup the compensation you need from the insurance company, you should know that you don’t have to settle for this. There may be a way for you to recover the funds you need and deserve.
To learn more about how you can recover compensation after engaging in a collision in Yuma, contact Schneider & Onofry, P.C. today.

Schneider & Onofry, P.C. can be reached at:

6024 E. 32nd Street
Yuma, AZ 85365
Phone: 928-257-4887
Website: www.soarizonalaw.com