Quote:
Originally Posted by MYV
Thanks!
I had no idea about glass claims not affecting your insurance. Awesome, I'm gonna give my state farm guy a call tomorrow.
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I'm always amazed every time this issue comes up. Quite frankly, I think they should do a class on insurance when you get your license because the insurance company won't volunteer the difference between collision and comprehensive.
Comp is stuff that isn't your fault - glass, deer strikes, fire, theft, that sort of stuff, while collision protects you from stuff that is your fault - primarily hitting stuff.
Problems come up with incidents like hit and run. Unless you can prove that it was hit-and-run (not your fault, ergo comp) then it falls under collision (you might have hit something and blamed it on a hit-n-run.)
There are also differences based on state law (some states are "no-fault" [aka everybody-at-fault] laws that screw the innocent driver) and glass coverage may vary based on state law as well.