TDCI’s Glossary of Insurance Terms keeps collision and comprehensive in separate entries so drivers do not treat “full coverage” as a single undefined promise.
Collision coverage, TDCI says, pays for damage to a car without regard to who caused an accident. The company must pay for the repair or up to the actual cash value of the vehicle, minus the deductible.
Comprehensive coverage (physical damage other than collision) pays for damage to or loss of your automobile from causes other than accidents. These include hail, vandalism, flood, fire, and theft.
That split matters in East Tennessee after hail, a flooded low-water crossing, a stolen vehicle, or a crash in which fault is disputed. Collision answers crash damage to your car; comprehensive answers many non-crash physical losses listed by TDCI. Neither definition replaces liability, UM/UIM, or medical-payments questions.
Deductibles still apply under both glossary entries. TDCI’s collision wording expressly subtracts the deductible from the repair or actual-cash-value payment.
Read the official wording in TDCI’s glossary, then review your declarations page with a licensed agent. Call All Seasons Insurance Group at 865-263-1400 or visit asigtn.com/get-a-quote/. Seasons change. So should your coverage.
What does collision coverage pay for in TDCI’s glossary?
TDCI says collision pays for damage to a car without regard to who caused an accident, up to the vehicle’s actual cash value minus the deductible.
What does comprehensive coverage pay for per TDCI?
TDCI says comprehensive pays for damage to or loss of your automobile from causes other than accidents, including hail, vandalism, flood, fire, and theft.
Does collision coverage depend on who was at fault?
TDCI’s definition says collision pays without regard to who caused an accident.
Is flood damage a collision or comprehensive example in the glossary?
TDCI lists flood under comprehensive coverage examples, alongside hail, vandalism, fire, and theft.
Does either coverage replace liability insurance?
No. Collision and comprehensive are physical-damage coverages for your vehicle. Liability pays others for injury or property damage you cause — a separate glossary topic.
What is actual cash value in the collision definition?
TDCI’s collision entry says the company must pay for the repair or up to the actual cash value of the vehicle, minus the deductible.
Where can Tennesseans read both definitions?
Both appear in TDCI’s Glossary of Insurance Terms under Consumer Education.
How can All Seasons help after reading this?
Call 865-263-1400 or visit asigtn.com/get-a-quote/ for a free personal policy review. Informational only.
