March 9, 2026 · 3 min read
Collision vs. Comprehensive: Which Claim Raises Your Premium?
Hail, glass, animals, theft, or a fender bender — the coverage type decides whether your rate moves. Here is the plain-English version.
Comprehensive
Comprehensive covers damage largely outside your control: glass damage, hitting an animal, hail and storm damage, vandalism, and theft. These claims generally will not increase your premium.
Collision
Collision covers impact with another vehicle or object. Premiums may increase only if you are found to be more than 49% at fault. If you are found not at fault, you either do not pay your collision deductible or you are reimbursed for it if you paid up front.
The practical takeaway
Before you assume a claim will cost you long-term, find out which coverage applies. We read a lot of policies and we are happy to look at yours with you — bring it when you come in for your free estimate.
Questions about your repair?
Call 817-677-9244 or request a free written estimate — we will walk you through the claim.
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