Charles Browning Insurance Agency

🚗 People say they want "full coverage" — but do you know what that actually includes? Let's talk about two coverages that protect YOUR car:

COLLISION vs. COMPREHENSIVE

These two are often confused, but they cover very different situations.

🔹 COLLISION
Covers damage to your car when it collides with something — another vehicle, a guardrail, a fence, a pothole. If you're driving and something goes wrong, this is the coverage that fixes your car.

🔹 COMPREHENSIVE
Covers damage to your car from things outside of your control — think:
• Hail — huge one here in Oklahoma 🌩️
• Theft or vandalism
• A deer or animal collision
• Falling trees or debris
• Flooding

Easy way to remember it: If you ran into something, that's collision. If something happened TO your car, that's comprehensive.

📌 Both come with their own separate deductible, so you'll want to think about each one independently.

❓ Do you need both? If you have a loan or lease on your vehicle, your lender almost certainly requires both. If you own your car outright, it depends on the value of your vehicle vs. the cost of the coverage.

Not sure if you have the right coverage for your situation? 👉 Message us and let's take a look!