Collision Coverage & Comprehensive Coverage

Collision Coverage

Now, suppose you’re backing out of your driveway. You look both ways but fail to see an oncoming pick-up truck. You hit that truck, causing damage to his vehicle and yours. How are you going to pay to get your car fixed? You can’t sue the other driver; the accident wasn’t his fault. If you didn’t have collision coverage, you wouldn’t receive payment to get your car fixed.
Even though the law does not require Collision coverage, it’s still usually a good idea to have this coverage for newer or more expensive cars.

Comprehensive Coverage

What if your car is stolen? You buy a brand new car, bring it back from the showroom, and park it in your driveway and the next day it’s gone. If you don’t have Comprehensive coverage on your new vehicle, you wouldn’t be compensated for the loss. How many among us can afford to pay for a new car twice?
Even though the law does not require Comprehensive coverage, it’s still usually a good idea to have this coverage.

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