Comprehensive and collision insurance generally does not come with additional coverage like medical payments or liability insurance. These important provisions in collision and comprehensive insurance policies have led to the majority of states requiring drivers to have collision and comprehensive insurance coverage. This is one of the first things you should think about when comparing insurance rates.
Car insurance companies base their premium rates on the number of accidents you have been involved in and how many car accidents you have had in the past. They do this by determining your driving record, your credit rating, your driving history, the age of your car, your location, and any special safety features you may have added to your vehicle.
If you are involved in a car accident, you are given points on your license and must pay a fine if you are caught driving without insurance. If you are caught without coverage, your car will be towed away for repairs, and you could be forced to go to jail. No matter what type of car accident you are involved in, you will want to be insured because you will be responsible for the total cost of the repairs.
A comprehensive policy covers the total cost of the repairs to your car. There is no deductible on comprehensive coverage so you are really only covered for the actual cost of the repairs to your car. If your car is totaled in a car accident, comprehensive policies will help replace any personal property that is lost in the accident, like tools or jewelry.
Comprehensive coverage can also help you if you are a victim of theft. Because comprehensive policies are backed by the insurance company, the company is willing to give you cash to cover the cost of replacing or repairing your car. This can save you thousands of dollars if you are a victim of a car-theft. Because comprehensive coverage is the same as liability coverage, you can expect to get some financial compensation if you are found at fault.
In summary, comprehensive insurance covers the costs of repairing your car if it is damaged in an accident and it covers the cost of replacing or repairing your personal property if you are a victim of theft. Car insurance companies usually offer comprehensive and collision coverage at the same time so that you may want to compare prices between various companies to find out which company offers the best combination of coverage for your particular needs.
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