Pearson & Company Insurance, Inc 601-482-6699
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What does Comprehensive coverage cover?

At Pearson & Company Insurance, we are asked a lot of questions about car insurance coverage. "What is comprehensive coverage?", "Do I need to carry comprehensive coverage on my auto insurance?", "What is comprehensive vs. collision on my car insurance?".  Comprehensive auto insurance covers a claim to your car that isn't the result of a collision.  Comprehensive coverage, often abbreviated to "comp", can cover fire, theft, vandalism, flood or animal claims.  If you hit a deer, that is a comprehensive claim.  If your car is dented in a hail storm, that is a comprehensive claim.  Someone keyed your car? Comp claim.  Tree limb fell on your car? That's a comp claim.

 

Is it worth it to carry Comprehensive insurance?

Everyone is on a budget.  The more insurance coverage you carry, the more you pay.  If your car is financed and your lienholder says you need full coverage insurance that means you have to carry comprehensive and collision coverage.  We can find you an affordable insurance option.  You could try raising your deductibles (wondering what is a deductible?) or check out these other discounts available to lower your premium.  If you are not required to carry full coverage, but still want some protection, most insurance companies will let you carry comprehensive coverage without having to carry full coverage.

 

Comp vs. Collision

Collision insurance covers the physical damage to your car if you are in a wreck with another car, a pole or any non moving object, or if you flip your car.  Comprehensive insurance gives you more coverage for your car.  It covers animal claims, weather claims, fire, theft or vandalism.  I like to tell my insureds, wrecks with other cars are always collision claims.  Past that, often if the accident is your fault- that is a collision claim.  If it wasn't your fault- that is a comp claim.

 

Have more questions about auto insurance or a specific example in mind? Give the experts at Pearson & Company Insurance in Meridian, MS a call, (601) 482-6699.  If you need coverage you can fill out a quote sheet and we'll give you a call. We can give you the best car insurance quote in MS and AL.

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Pearson & Company Insurance, Inc.
2210 13th Street
Meridian, MS 39301

Phone: 601-482-6699
Fax: 601-482-1526
Email: Hallie@Pearson-Insurance.com
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