Collision and Comprehensive Insurance
Collision
and comprehensive insurance pay for repairs to your car for a variety of
problems, such as car accidents (regardless of fault), car theft, vandalism,
fires, floods, falling objects (like tree branches) and collisions with
animals.
While
collision and comprehensive coverage are often sold together, you can purchase
them individually. For example, if you only want coverage for problems like
theft and floods, you can get a car insurance quote for comprehensive insurance
without collision.
Just keep in
mind that buying one without the other can leave you with a significant
coverage gap. For example, if you back into a pole, you need collision coverage
to pay for repairs.
If you have
a car loan or lease, you’re likely required to carry both anyway.
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