![]() Like collision coverage, comprehensive coverage is optional, though you likely have to buy it if you finance your vehicle. ![]() This type of coverage also reimburses you if your car is stolen or if you accidentally hit an animal, like a deer, while driving. It also covers damages sustained from a hit and run or if you roll your vehicle.Ĭollision coverage is optional, although your lender may require you to carry it if you have a car loan.Ĭomprehensive coverage pays for non-crash-related damage, such as damage caused by fire, flood, hail, natural disasters, falling objects like tree branches and vandalism. Property damage coverage pays for the repair or replacement of someone else’s property when you’re at fault, like their vehicle or a fence you crashed into.Ĭollision coverage pays for damage to your vehicle when it “collides” with another car or object, like a pole or guardrail.It can also cover your legal defense as well as judgments and settlements if you’re sued after an accident. Bodily injury covers costs associated with injuries, including medical bills, loss of income and funeral expenses.Liability car insurance policies include two types of coverage: bodily injury and property damage. Liability insurance is mandatory in nearly every state and pays for the accident-related costs of others when you’re at fault for an accident. Safe Auto offers standard coverage that’s required to meet state minimum auto insurance laws as well as additional coverage for those who want it.
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