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What is Collision and Comprehensive coverage?

Collision coverage covers the cost of repairing your vehicle in the event of any kind of accident, whether it’s with another car or an object, such as a utility pole or fire hydrant. Comprehensive insurance covers damage or loss of your vehicle in the event of theft, natural disaster or any other damage to your vehicle not caused by a collision. Unlike Liability insurance, collision and comprehensive insurance is not required by any state, but it is highly recommended for most drivers. Also, if you are leasing or borrowed money from a bank to purchase your car, your lessor or lender will likely require you to maintain collision and comprehensive coverage. The exception is if you have an older car, and the cost of repairing or replacing your car is likely more than its value. Under such circumstances, it is advisable to waive both collision and comprehensive coverage. Both collision and comprehensive coverages are subject to a deductible.