Liability and collision insurance policies exclusively cover car accidents. There are many exclusions to those types of coverage, such as fire, theft or if you hit an animal while driving. Comprehensive insurance covers most of those other risks to your car. As with collision coverage, no states require that you have this type of insurance – but you may want to consider it or need it for other reasons – when your lender or car lease requires it. You can save money on this comprehensive insurance by getting a policy with a deductable. See more advice on what kind and how much car insurance coverage you really need.
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