Collision insurance covers damage to your car only when you're involved in an accident. Comprehensive car insurance covers damage to your car caused by something other than a collision. Damage to another person's vehicle or their medical expenses are only covered by liability insurance (property or bodily damage). Uninsured motorist insurance could provide coverage if another driver with inadequate or no insurance is at fault.
Learn more about liability insurance and get help deciding which car coverage is right for you with these car insurance resources. Liability-only car insurance means that you only have financial protection for the other party if you cause injuries or property damage in an accident where you are at fault. If you don't have a car loan or lease, it depends on the peace of mind you're looking for and perhaps the value of your car. Since full coverage isn't a real insurance product, talk to your lender and insurer to find out exactly what coverages are required and which are right for your needs.
In some cases, the collision can also repair your car if someone hits you and you don't have insurance or if you are hit by a driver who is on the run. If your car is old and not worth much, you may decide that comprehensive and collision insurance isn't worth it. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Different states have different car insurance requirements, but almost all of them require drivers to have liability coverage.
Comprehensive coverage can help pay for situations such as broken glass in a car, repairing the car after colliding with an animal, damage caused by a fire, and damage caused by fallen objects. If the total of your car were total, the auto insurance company would only pay the fair market value minus any existing damage and your deductible. Collision insurance will help you pay for the costs of repairing or replacing your vehicle, even if you've had an accident with an uninsured driver. When requesting car insurance quotes, it can be useful to compare the different levels of deductibles to see how they affect your overall premium.
For example, if you have an exclusive liability policy and you cause an accident, your car insurance won't pay for the repair of damage to your vehicle. Collision coverage could pay if you hit another car or object, or if someone else hits your car and you don't have insurance.
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