Collision and Comprehensive Car Insurance Coverage in Oklahoma
Reader’s Question:
My agent here in Oklahoma suggests that I get collision and comprehensive coverage. How are they different from one another?
Debra
Lawton, OK
Collision and comprehensive car insurance coverage are two different things, Debr,a and both can add to your safety and security while driving. Most car insurance companies in Oklahoma offer these coverages to their clients.
Try to consider that certain events or incidents can happen, and they are usually beyond our control like weather conditions such as floods, storms, hurricanes, as well as natural calamities like earthquakes and flash fires and even theft or vandalism. And if these incidents occur, having a comprehensive coverage can be handy should your car be damaged by the said events. Your comprehensive coverage will shoulder expenses for your car’s repair or even replacement of your vehicle. If you purchased your car by means of a loan, then a comprehensive car insurance coverage will be required by the bank or the financing company. Although comprehensive coverage is an optional addition to your car insurance policy, I suggest that you still get one especially if your car is pretty expensive.
On the other hand, collision coverage will pay for expenses due to damages resulting from collision with another car or objects like lamp posts or fences or wild animals. But if you have an old or inexpensive car, the costs for repairs may be worth more than the amount of having it replaced, instead. Thus, paying for high premiums for your collision coverage may not be advantageous to you. So, think it over first before adding collision coverage to your insurance policy to avoid unnecessary expenses. After all, collision insurance is typically an optional coverage in your policy.
So, remember, collision and comprehensive insurance coverage are typically optional but otherwise useful add-ons to your existing policy.
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