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Auto Insurance Options: Collision or Comprehensive?

Two-Car CollisionSo, you’ve just bought a new car, and some of the most basic definitions.

In particular, you might be wondering, “What’s the difference between collision and comprehensive auto insurance?’

Everyone who drives a vehicle in the state of California is required to carry liability auto insurance. This policy will cover damages to the other driver’s car, in the event that you cause an accident. But you can also carry collision and comprehensive auto insurance, both of which offer a degree of protection for your own vehicle.

Collision insurance covers your vehicle, whether you hit another car, they hit you, or you drive off the road and carries their own liability auto insurance.

So, with liability and you can be sure your vehicle will be repaired or replaced (after you cover the deductible, of course).

Well, almost. You’re covered in the case of any type of collision, but there are other things that can happen to your car. It could be stolen, swept away in a flood, a tree could fall on it… You get the picture. Comprehensive insurance covers your car in these types of scenarios.

With liability, collision, and repairs yourself. You should also take care to choose a deductible that is actually manageable for you, in the event that one of these events befalls you.

If you have more questions about auto insurance, give us a call. We can help you decide which type of policy offers the protection you need, and then help you compare policies to get the best rate for your situation.