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Three Important Things to Know About Collision and Comprehensive Insurance (And Determining Which One If Not Both, is Right for You)

Personal Auto Insurance is not only something everyone needs to drive a car legally in most states in the nation, but it’s also something you won’t want to be without if an accident, devastating natural event, or theft occurs. And with the average driver racking up about 13,500 miles behind the wheel resulting in an estimated six million car accidents and car insurance claims totaling more than $170 million in the US each year, the likelihood that a motor vehicle accident or natural event might impact you or a family member is fairly high. Beyond fastening your seat belt and following the rules of the road, it’s important to have the right car insurance coverage to protect yourself and the ones you love. But which coverage is the right one for you? The Problem Solvers at Gillman Insurance breaks down the top three most important things to know about Collision Insurance and Comprehensive Insurance…

It’s Situational
Regardless of who is at fault, Collision Insurance helps pay for the repair or replacement of your vehicle IN THE EVENT that your vehicle hits an object – like a tree or light pole, your vehicle hits another vehicle, or if another vehicle hits you. Comprehensive Insurance – what we often deem as the everything BUT Collision Insurance here at Gillman – covers damage from weather – like hurricanes, tornados, hail, or flood, as well as theft, vandalism, or fire.

They Work Best in Tandem
At Gillman Insurance, we pride ourselves on being Problem Solvers. What we do not possess is a talent for predicting the future. Since there’s no way to know for sure whether you will be involved in a collision or fall victim to a carjacking or weather event, it’s wise to have both Comprehensive and Collision Insurance on every vehicle your family owns. Your Gillman Problem Solver can help walk you through the different liability limits, as well as the best carrier to fit both your potential needs and budget.

Both Are Proudly Offered by Gillman Insurance
Among our auto insurance offerings include Collision Insurance AND Comprehensive Insurance. Combining them along with any other coverages we believe will suit you and your needs allows us to customize the auto policy that will help protect you from a financial hit that could follow from a collision with another vehicle, liability issues, cost of damage, or loss due to a weather event or theft (among other things), accidents with an uninsured driver, costly medical bills and more. We pride ourselves in offering a wide variety of products – auto insurance is just the beginning! Gillman Insurance welcomes the opportunity to serve as your go-to resource for all your insurance needs. You can look to us for Homeowners Insurance, Renters Insurance, Flood Insurance, Life Insurance, and virtually all your Business Insurance Needs.

To start designing the right Personal Auto Insurance Plan for you and your family members, look to the Problem Solvers at Gillman Insurance. Call us for a quote today at (678) 297-7977 or fill out our secure online contact form and one of our agents will be in touch with you shortly! We also welcome you to visit us at our Alpharetta office located at 11175 Cicero Drive, Suite 575. To learn more about our other offerings, visit

Source: Car insurance stats: [2021 REPORT] |