Comprehensive provides coverage for events beyond your control that aren't caused by a collision, such as weather, vandalism and theft. Collision coverage is for damage resulting from an accident with another vehicle or object. Liability coverage helps pay for injuries or damages to others when you are responsible. If you own and drive a vehicle, you must comply with the financial responsibility laws of the state's Vehicle Code.
The most common way to do this is to purchase auto liability coverage. Your own insurance will only pay your car repair bills if you chose to buy (and paid) collision coverage. Learn more about liability insurance and get help deciding which car coverage is right for you with these car insurance resources. Collision insurance pays for damage caused by a car accident involving another vehicle, person, or object.
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. If you have a valuable car and are in an area at risk of natural hazards, consider taking out comprehensive insurance to protect against the unforeseen risks of damage to your car. Collision insurance is a type of coverage that pays for damage to your own car as a result of an accident. Collision insurance will also cover damage to your car if you have an accident, but you can't find the other driver if you're hit and run away or if the other driver simply stops answering your calls after the accident occurs.
Comprehensive car insurance pays for damage caused by something other than your car crashing into something else. Collision insurance and comprehensive insurance cover the cost of repairing the car or replacing the policyholder's vehicle. Unlike property damage liability insurance (which covers damage to other people's property), collision insurance and comprehensive insurance are optional in California. Collision insurance can also be used to rent a car in most cases, which can save you from having to buy rental car insurance.
It includes the full legal name of your insurance company, the amount and types of coverage, deductibles, and insured vehicles. If your car is stolen, comprehensive insurance covers the cost of replacing it or repairing any damage if you recover.