Comprehensive insurance: It generally covers damage caused to your vehicle by causes other than collisions. These things can include acts of vandalism, disasters, robberies, floods, fires, animal impacts, and even riots. Comprehensive coverage and collision coverage are typically purchased together. These policies cover the costs of damage to your vehicle.
They don't give you more money for injuries, but they will help you get another vehicle quickly or get the money to pay for emergency repairs. Like health insurance, you may have to pay a deductible first. Auto liability insurance covers some injuries, but you may need to use your own medical insurance to cover the rest. For example, it might not be worth doing expensive repairs to an old car with high mileage, and you might want to save up to buy a new car instead of paying for additional insurance.
Be sure to review your car insurance policy every year to make sure you have all the types of coverage and amounts of coverage you need. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Collision insurance covers repair or replacement costs if you have an accident, hit an object, or roll over your car.
All Arizona drivers must have liability insurance at a minimum, but there are other insurance options that cover more events. If you're at fault for a car accident, your liability insurance pays for repairs to the other driver's car and will likely cover the doctor's bills if you're injured. You should cancel your car's full coverage insurance when the cost of the insurance is equal to or greater than the potential payment, in the event of a covered event. Some states require drivers to have PIP or MedPay, while collision insurance is often mandatory if you rent or finance your car.