How Comprehensive and Collision Coverage Can Cover Your Vehicle in Unlikely Scenarios

Unexpected events can happen to any Texas driver, often when we least expect them. At Best Option Insurance & Tax, we believe it’s important for our clients to understand how comprehensive collision coverage can help cover their vehicles in a wide range of scenarios beyond the typical fender bender.

Understanding Comprehensive vs. Collision Coverage

While comprehensive and collision coverage are designed to help repair or replace your vehicle, they cover different types of risks:

• Comprehensive coverage helps pay for damage to your vehicle caused by events other than a collision. This includes incidents like theft, vandalism, fire, hail, falling objects (such as trees or branches) and animal collisions.
• Collision coverage helps cover damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.

Real-World Examples: Unlikely but Possible

Texas weather can be unpredictable, as can the risks on the road. Here are a few scenarios where these coverages can make a difference:

• A severe storm causes a tree limb to fall on your parked car
• Your vehicle is vandalized while parked at a shopping center
• You accidentally hit a guardrail after swerving to avoid an animal
• Hailstones dent your car during a Texas thunderstorm

How Our Team Can Help

At Best Option Insurance & Tax, we work closely with Texas drivers to review their auto insurance needs and explain the benefits of each coverage option.

Contact us to review your coverage and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.