Sonnet Insurance Commercial Ask Sonnet: What’s the difference between collision and comprehensive coverage? 2025

VIDEO Sonnet Insurance Ask Sonnet: What’s the difference between collision and comprehensive coverage? TV commercial 2018 • We often get asked what the differences between collision and comprehensive coverages are and whether you need both coverages. While these coverages are optional, they’re both important coverages that are worth having. Our coverage expert and Customer Service Hero, Natasha, has all the info you need to understand collision and comprehensive coverage. 00:01 hi I'm Natasha I'm a customer service 00:04 hero at sonnet I think when people are 00:06 first purchasing a policy they're 00:07 looking at a few things they want to 00:08 make sure that they can afford it but 00:10 they also want to make sure that they 00:11 have the coverage that they need 00:12 collision and comprehensive really just 00:14 covers your car when you're involved in 00:17 the collision there's two ways that it 00:18 could pay out of your policy if it's 00:19 your fault that'll pay out of the 00:21 collision section if it's not your fault 00:24 that'll pay out of a different section 00:25 called direct compensation property 00:27 damage except in Alberta or Quebec you'd 00:29 be contacting the other party's insurer 00:32 directly but everywhere else that would 00:34 pay out of a different section of your 00:35 policy for comprehensive it's a little 00:37 different because it's any time it's 00:39 sort of out of your control so it'll be 00:41 for things like if your vehicle stolen 00:42 set on fire struck by lightning damaged 00:45 in a hailstorm windstorm or an 00:46 earthquake or something falls on your 00:48 car it's not something that you need to 00:49 have but it's definitely something that 00:51 you want to have if you're kind of not 00:53 really too fussed about whether or not 00:55 you want to replace that vehicle maybe 00:57 it's only worth a thousand dollars you 00:59 know and your minimum deductible will be 01:00 five hundred doesn't really seem worth 01:02 it if you've got a vehicle that you 01:03 really love you want to make sure that 01:05 you have collision and comprehensive 01:06 both of them included because having 01:09 both of those coverages means that no 01:10 matter what happens you can replace your 01:12 vehicle or repair it whatever the case 01:14 may be your car is important to you you 01:15 want to make sure that you have coverage 01:17 for your vehicle 01:19 you - advertisement spot 2018