What is the difference between comprehensive (excl collision or upset) and collision or upset deductibles?

If my comprehensive is 300 and collision or upset is 500, do I pay either or both if I get into an accident?

If I rear ended someone, do I have to pay either or both for the other driver's claim?

Any time you file a claim under YOUR policy for damage to your car, you pay your deductible.

An accident is a collision loss. You'd pay the $500. If your car gets vandalized, catches on fire, or is stolen, that's comprehensive - you'd pay the $300.

Rearending someone is a collision loss - $500. The damage you do to the other guy's car is property damage liability, not collision - you don't pay a deductible.

each covers different perils. collision is just that. if you car collides w/ another vehicle or object or that other vehicle or object collides w/ your car then it is a collision claim. an overturn or upset is a form of collision. one exclusion is collision w/ an animal, that falls under comprehensive.

comprehensive is everything else that can physically happen to your car. fire, hail, glass breakage, theft, etc.

Collision coverages situations where your vehicle collides into things (car wreck, you back into a tree, vehicle roll over).

Comprehensive covers non collision damage (hit a deer, theft, vandalism, glass breakage)

If a collision causes the windshield of your car to break - you would only pay the collision ded - the replacement of the windshield would be covered under you collision.

If you hit a deer and then go off the road and hit a tree - your company would handle everything under the comprehensive coverage.

Insurance companies will attribute damage from 1 occurrence to one of the coverages and charge 1 deductible.


You hit a tree in a rain storm. Cause damage to your door. You drive the car home - get 1 mile down the road and run through a really deep puddle and flood out the engine of the car. This is 2 separate occurrences. The company would handle the tree damage as collision (less your deductible) and the flooded engine as comprehensive (less your deductible).