Collision vs. Comprehensive Auto Insurance
As with most types of insurance, auto insurance covers various aspects of the risks associated with driving an automobile. In the United States and many other places, the law requires you to insure yourself against specific auto-related risks, while good sense suggests that you protect yourself against a number of other risks as well.
Collision insurance, as its name implies, protects you against vehicular damages that result from an automobile collision. This collision can result from contact with another automobile, an animal or any other object. Collision insurance pays the necessary fees to repair your vehicle and take care of any damage caused to its appearance or functionality. Comprehensive insurance covers vehicular damages resulting from anything other than collision, such as flood, fire, theft or vandalism.
Some people believe that, because of its name, collision insurance covers all costs relating to a collision. This is not true. Collision insurance only covers the costs of damage done to your vehicle. If you are involved in a collision in which you are at fault and you cause bodily or property damage to someone else, collision insurance does not cover these costs. These costs come under the realm of liability insurance. In most states, liability insurance is a legal requirement, while collision insurance is not. Despite its name, comprehensive automobile insurance does not protect you against absolutely every type of risk or loss related to owning and operating an automobile — it only protects you against every type of damage done to the automobile itself. For instance, comprehensive insurance does not pay for costs resulting from any bodily injuries you may receive.
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