Comprehensive Deductible vs Collision Deductible – What’s the difference?

Let’s talk – Comprehensive deductible vs collision deductible.

Comprehensive deductible is defined as the amount you would pay out of your pocket to repair or replace your vehicle after your claim is approved.

A comprehensive deductible applies to incidents that may happen to your vehicle that don’t involve a collision – for example:

• Fire
• Theft or larceny
• Explosion or earthquake
• Windstorm
• Hail, flood or water
• Malicious mischief or vandalism
• Contact with bird or animal

So how does comprehensive deductible differ from a collision deductible?

 A collision deductible applies to loss of impact and is defined as the amount you would pay out of your pocket to repair your vehicle after your claim is approved.

Examples of this would be:

• Collision with a vehicle
• Hit and run

It is important to understand what amount you’ve set as your deductible for both comprehensive and collision. That way, if an incident happens, you will know what you will need to pay out of pocket.

If you have questions about your comprehensive and collision deductibles, reach out to our team!