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Physical Damage coverage on your auto insurance policy is coverage for damage done to your car.
Now if someone else is at-fault then their auto insurance will most likely pay for the damage. But when that is not the case then damage to your auto is covered under physical damage coverage.
This coverage includes collision and comprehensive (other than collision) coverages.
Collision insurance provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it:
What is the difference between comp and collision coverage?
Comp (a.k.a Comprehensive or Other Than Collision) and Collision are physical damage insurance coverages on a personal or business auto insurance policy.
Collision coverage provides reimbursement for damage to your vehicle after you’ve been in a car accident in which there is no fault or you are at-fault.
Comprehensive coverage provides reimbursement for a set of named perils that include, fire, hit an animal, falling object, car get’s struck by lightning and more.
You need enough insurance to cover the following:
WHETHER YOU ARE LOOKING FOR YOUR
TEENAGER’S FIRST CAR, OR NEEDING A
BIGGER VEHICLE FOR AN EXPANDING
FAMILY, SHOPPING FOR A NEW CAR CAN
BE OVERWHELMING. With so many different
types of cars to choose from, there are a lot of
different variables to consider, but safety should
be your top priority.
According the National Highway Traffic Safety
Administration (NHTSA) there are key questions
to ask when looking to buy a safe car:
• What features does this vehicle have that will
CARBON MONOXIDE IS A COLORLESS,
ODORLESS AND POISONOUS GAS THAT IS
PRODUCED BY THE INCOMPLETE BURNING
OF SOLID, LIQUID AND GASEOUS FUELS,
AND CAN BE DEADLY WHEN INHALED.
Each year, more than 300 Americans die from
carbon monoxide in their homes, and thousands of
others require medical attention due to poisoning.
Fortunately, there are some easy and economical
precautions every homeowner can take to help
keep family members and guests safe from
• Install carbon monoxide detectors with an audible
The price you pay for your auto insurance can vary by hundreds of dollars, depending what type of car you have and the insurance company you buy your policy from. Here are some ways to save money.
According to the Federal
as many as 10 million
Americans have their
identity stolen each year. Many
people do not realize how easily
criminals can obtain personal
data without having to break into
someone’s home. For example,
while out in public, criminals often
watch potential victims from a
nearby location. They listen as you
give your credit card number over
the phone or watch as you enter
your PIN number during a debit
card transaction. They even go
ACCORDING TO THE NATIONAL HIGHWAY
TRAFFIC SAFETY ADMINISTRATION, MORE
THAN 5.8 MILLION POLICE-REPORTED
MOTOR VEHICLE CRASHES OCCURRED IN
THE UNITED STATES IN 2008. No matter how
good a driver you are, chances are at some point
in your life you will be involved in an auto accident.
Knowing the steps to take after a collision can help
prevent further injuries, reduce costs and decrease
overall confusion. In the event of an accident, the
following are some important steps you can take:
WHEN YOUR HOME IS DAMAGED DUE TO A STORM, IT IS A FRIGHTENING, STRESSFUL AND CONFUSING EXPERIENCE. YOU ARE DEALING WITH MAKING SURE YOUR FAMILY AND HOME ARE SAFE AND HOW TO BEGIN THE REBUILDING PROCESS.
Unfortunately, there are fraudulent contractors who will try to take advantage of you during this vulnerable time. To ensure you find a contractor who knows what he or she is doing and has a well established business, we encourage you to review the following: