Comprehensive and Collision

This optional section of the policy pays for damage to your vehicle.  States do not require you purchase these coverages, but if you have a car loan, your lender will require you to until the loan is paid off.


Comprehensive pays for damage to your vehicle, other than collision--such as fire, theft, falling objects, explosion, earthquake, wind, hail, flood, vandalism, and contact with animals like birds and deer.  It also pays for cracked windshields--with some companies offering glass coverage without a deductible.


Collision pays for damage to your car resulting from a collision with another vehicle, object, or as a result of flipping over.  It also covers damage caused by potholes.

Even if you're at-fault for the accident, your collision coverage will reimburse you the costs of repairing your car, minus the deductible.  If you are not at-fault, your insurance company may try to recover the amount paid from the other driver's insurance company.  If they are successful, you'll be reimbursed for the deductible.

1905 Stadium Drive
Bozeman, Montana 59715
Phone:  406-587-5111
Toll Free: 800-606-9378
Fax:  406-587-9162

24-Hour Client Access

• Issue Auto ID Cards
• Request Changes
• Access Policy Information

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