Collision - this coverage pays for damage to your insured auto from an impact with another car, an object or from rollover. In addition to your auto, an auto that you do not own and is not for your regular use, such as a rental or borrowed car, is usually covered by your collision coverage. Collision coverage has a deductible, the amount you pay before the insurance company begins to pay, that you select when buying the policy. For example, the collision deductible may be $100, $250 or $500.

Comprehensive - this coverage, sometimes also referred to as "other than collision" pays for losses caused by perils or causes of loss other than those defined as collision losses. Typical comprehensive losses are caused by fire, theft, vandalism, wind, hail, flood, deer or other animal crashes and glass breakage. Comprehensive is sometimes purchased without a deductible or a deductible lower than the collision deductible.

Other Optional Coverages - the basic Personal Auto Policy can be broadened by adding additional optional coverages. Two common added coverages are Towing & Labor and Extended Transportation Expense (rental car coverage).

"Did You Know?"
You can considerably reduce your cost for collision and comprehensive coverage by increasing your deductible.