What's the Difference Between Collision and Comprehensive Automotive Insurance?

What's the Difference Between Collision and Comprehensive Automotive Insurance?
By Angela Farnsworth

Liability insurance, which covers the cost to repair damages caused by you, is usually your states minimum automotive insurance requirement; however, if you are still making payments on your vehicle, your financer may require you to purchase additional automotive insurance coverage until you own the vehicle.

There are many different kinds of additional automotive insurance, and collision automotive insurance and comprehensive automotive insurance are probably the most popular kinds of additional automotive insurance. But what is the difference between collision automotive insurance and comprehensive automotive insurance? Dont they both cover everything?

No. Collision automotive insurance and comprehensive automotive insurance are actually quite different.

Collision automotive insurance is automotive insurance that will cover the cost to repair damages to your vehicle that result in an accident caused by you. If repairs to your vehicle cost more than the value of your vehicle, the automotive insurance company may deem your vehicle a total loss, in which case you will be compensated for the current and actual cash value of the vehicle.

Collision automotive insurance is usually the most expensive of the additional automotive insurance options, which is understandable since the automotive insurance company is paying for damages caused by their own policy holder.

On the other hand, comprehensive automotive insurance is insurance that will cover the cost to repair damages to your vehicle that result in an accident for which you are not at fault. These damages may be caused by incidents involving natural disasters, theft and vandalism, fire, and animals (think of deer running out in the road during your innocent drive home). Comprehensive automotive insurance will compensate you for the total cost of your vehicle before the accident.

Although many people opt to purchase only liability insurance since its usually the only insurance required, consider paying extra for these additional automotive insurances. You never know when you, or an animal, will be the one to cause damage to your vehicle.

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Auto Insurance Do This If You Really Want To Make Huge Savings

Auto Insurance - Do This If You Really Want To Make Huge Savings
By Chimezirim Chinecherem Odimba

There are many things you can do to save much in your auto insurance. Some give wonderful results; others give so so results. However, if you're really serious about making massive savings in auto insurance you can't afford to leave this out...

But first things first. You must understand why you are getting auto insurance coverage. Are you only interested in fulfilling the minimum required by your state law? Do you want something that truly gives you total coverage as far as your use of the road is concerned? These should be first established in your mind before you begin your quest for savings. I say this because some people who really want the most extensive coverage begin to compromise their coverage all in the name of making savings.

Savings must be without losing what you really want. And, you will make savings if you follow my next advice wholeheartedly. This is irrespective of whether you want bare-bones minimum auto insurance or the most extensive insurance. Please, do bear in my, however, that I am not endorsing any position (extensive or minimum coverage) here. That issue is dealt with in other articles. So now to the meat...

You might have heard of auto insurance quotes sites. Yes, you might even have used them. However, you might not have maximized your profits because you left something out. You only visited one car insurance quotes site and felt you had it covered. No, you didn't have it covered.

Make sure you get quotes from at least three auto insurance quotes sites. This guarantees that you nullify the effects of sponsors' interests on some sites and, furthermore, you have a broader basis for your comparison.

Here are my favorite auto insurance quotes site (Get your quick free auto insurance quotes now)...

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Chimezirim Odimba writes for Car Insurance.

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Auto Accident Checklist: Tips On What To Do Following A Car Accident

Auto Accident Checklist: Tips On What To Do Following A Car Accident
By George Small

Hopefully you will never be involved in an auto accident or need to file an insurance claim. Even the most careful and skilled drivers, however, can easily find themselves in the middle of a crash. Would you know what to do? Knowledge of what to do after the car accident can help make the insurance claims process easier and smoother so that you are back on the road faster.If you are in an auto accident:

1.Try to stay calm, stop your vehicle and check for injuries. The life and health of you, your passengers and the other people involved in the accident is far more important than the vehicle itself.

2.If required, call the police and let them know of the accident, your location, how many people are involved, whether there are injuries and the types of injuries.

3.You may wish to take reasonable steps to protect yourself, and your vehicle, from further damage. Where possible and if legal, move the autos to the side of the road and turn on your hazards as soon as it is safe. If you have flares, you may wish to use them to warn oncoming traffic and to prevent additional crashes.

4.Taking lots of notes is a good practice, like:

the date, time and location of the accident
how the accident occurred sometimes a drawing is worth a thousand words and can help enhance what youve noted
the type and location of damage to your car
the type and location of damage to the other cars or property involved
the names, addresses and contact information of all drivers and passengers involved in the accident
drivers license numbers and all the information on the licenses
insurance identifications including the name of the insurance company and policy number
the names, addresses and contact information of witnesses
the names and badge numbers of police officers or other first response personnel

(Being able to take notes is important so keep a pen and pad in your glove compartment, just in case.)

5.You may wish to ask the police officer when and where you can get a copy of the accident report. Theres a good chance youll need it when you submit your insurance claim to your insurer.

6.Its usually a good idea to call your insurance company right away and report the accident because the sooner they know about the crash the quicker they can start working to resolve your insurance claim. As well, theyll be able to explain the next steps, like where to have the car towed if necessary and arrange for an adjuster to come out and appraise the damage before any repair work is done.

7.There are a couple of donts you might want to consider like dont discuss the financial limits of your auto insurance policy and avoid discussing the responsibility for the accident or circumstances of the accident with anyone other than the police or a representative of your insurance company.

Auto accidents take a significant toll on everyone involved. But, if you stay calm, make safety your priority and follow the above tips, you will get through the ordeal of being in an accident and submitting an insurance claim.

For more information on car insurance, or to get quotes, kanetix.coms car insurance quote comparison service provides instant online quotes from some of Americas most recognized and trusted insurance companies.

Article Source: http://EzineArticles.com/?expert=GeorgeSmall
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