In addition to standard auto insurance, other types of insurance, such as comprehensive and collision, may be available at an additional charge to the standard policy. These coverages offer extra protection for the policyholder by paying for damage to your covered vehicle (up to the actual cash value), less the deductible amount you have chosen.
Collision insurance reimburses the insured for damage sustained to their personal automobile due to the fault of the insured driver. Many drivers have this type of insurance as an extension of a standard policy.
Comprehensive coverage is for damage to a consumer’s car from causes other than a collision, such as damage from a fire, wind, hail, tornado, vandalism, collapsing garage, tree falling, theft or damage caused by a run-in with a deer.
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