| Most drivers comply with the law and purchase | | | | comprehensive coverage kicks in if mother nature |
| insurance before they get behind the wheel of | | | | decides to drop a tree on your truck, van or |
| their auto or truck. However, if you ask them | | | | SUV, or a tornado decides to play football with |
| specifically what their policy says, they probably | | | | your new smart auto two seater. Comprehensive |
| won't be able to tell you. For instance, what does | | | | will kick in if you hit a deer. Technically, that is a |
| full coverage mean? Does the policy pay for all | | | | collision, however colliding with Bambi is sometimes |
| damages to your car as well as the person you | | | | unavoidable, and therefore a risk assumed by |
| hit? Does it pay for all medical expenses for you | | | | insurers. |
| and the other driver? Does the policy cover your | | | | Collision coverage covers exactly what it says, |
| passengers, too? Most motorists can't answer | | | | smashups against everything except an animal, |
| these questions without referring to their policy. | | | | and you have comprehensive insurance for that. |
| All of this is usually taken for granted until you | | | | Collision is usually twice as expensive as |
| actually need to know. | | | | comprehensive insurance and nearly always |
| Vehicle insurance laws are made at the state level | | | | comes with higher deductibles. Because of this, |
| and nearly all states in America require some kind | | | | many drivers choose not to purchase collision |
| of motorist insurance to cover damage done to | | | | coverage. That may be a good thing if your |
| the other driver. No state requires motorists to | | | | vehicle is an older model. But if you took out a |
| have auto insurance to pay for damage to their | | | | loan to buy the truck or van, then the bank will |
| own auto, truck or van. Minimum coverage is | | | | force you to have collision insurance. The best |
| called liability auto insurance. | | | | way to find the right type of insurance is to shop |
| Comprehensive vehicle insurance is designed to | | | | around, first. Jump on the internet, do a search |
| handle expenses generated from non traffic | | | | for insurance quotes. Then compare them side by |
| related damage, such as what mother nature | | | | side to find the best deal for you and your family. |
| might inflict upon you. For instance, | | | | |