Pays: The cost of repairing or replacing your car after an accident, regardless of
who was driving or who was at fault. Payment is limited to your car's actual cash
value, minus your deductible. Actual cash value is the market value of a car like yours
before it was damaged.
***The contents of this site are offered as a guide and do not guarantee coverage. Please review your
policies for specific coverages. Coverages and exclusions may vary from carrier to carrier.
Pays: The cost of replacing or repairing your car if it is stolen or damaged by fire,
vandalism, hail, or another cause other than collision. Comprehensive coverage also
pays for a rental car or other temporary transportation if your car is stolen. Your
policy won't pay for an auto theft unless you report it to the police. Payment is limited
to your car's actual cash value, minus your deductible.
Collision & Comprehinsive are optional coverages. However, if a loan exists on the
vehicle, most lien holders require this coverage be in place to protect their intrest in
the vehicle. Furthermore, the lien holder has the right to set the maximum allowable
deductible.