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I just moved to Rockledge, Florida and purchased a new car. What is the difference between my collision deductible and comprehensive deductible?

The deductible is the amount you will pay out of your pocket if you have a loss and make a claim with your insurance company. For example if you submit a claim to your insurance company for a covered loss of $1,500 and your deductible is $500 your insurance company would deduct $500 from any amount they pay towards your claim. That amount would be your out of pocket cost.

Collision Deductible applies to losses from Impact that causes damage to your vehicle. For example, a collision with a vehicle, hit and run, etc.

Comprehensive Deductible is referred to as “Other than Collision.” Damage to your vehicle not caused by collision. For example, an animal that runs out into your vehicle, hail damage on the hood, etc.

Always refer to your individual policy for deductible amounts and coverage limits.



- Hoffman Auto Insurance

 


NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
 
   


Our Melbourne Auto Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.



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Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIGNED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website