In the US, auto insurance policies are split into 3 buckets: collision, comprehensive and liability. Comprehensive kicks in for events which are “not collisions,” so tree falling on the car, theft, etc.
You are required to have liability and collision coverage in most states, but comprehensive is optional. People often drop it from their policies to save on the premium. I have tried doing that on one of our vehicles over the years but have barely realized any savings so I’ve ended up keeping it on the policy. Seems like others have fared better.
You are required to have liability and collision coverage in most states, but comprehensive is optional. People often drop it from their policies to save on the premium. I have tried doing that on one of our vehicles over the years but have barely realized any savings so I’ve ended up keeping it on the policy. Seems like others have fared better.