How does collision insurance differ from other types of car insurance?
Collision insurance covers the cost of repairs or replacement of your own vehicle if you get into an accident, regardless of who is at fault. This is different from liability insurance, which only covers damages to the other person’s vehicle if you are responsible for the accident. Comprehensive insurance covers non-collision related damages, like theft, vandalism, or natural disasters. Collision insurance is optional, but can be helpful in protecting your own investment in your vehicle. It generally has a deductible that you must pay before the insurance kicks in to cover the rest of the costs.
