To ensure that motorists can be financially responsible if ever at fault for an automobile accident, many states require drivers to be insured before being allowed to operate a motor vehicle. To cover damages done to another person or their property, many individuals are required to carry liability insurance with specific limits that are typically unique for every state. Because drivers are usually held to different standards, its important to know both what is legally required as well as the variety of options that are available which could improve an individuals vehicle protection. Luckily for drivers there are a wide variety of options and additions available that a person can include in a policy to create a thoroughly comprehensive protection plan.
Within states that only require motorists to carry basic liability, the local government will typically make an auto insurance coverage recommendation that includes additional vehicle protections designed to cover damages to the policyholders own vehicle. This is commonly referred to as Comprehensive and Collision, and is designed to cover a wide range of damages. The collision portion generally reimburses the policyholder for damages sustained from an accident with another automobile. The comprehensive portion, however, covers damages that may be caused outside of a collision with a car. This could include fire, theft, vandalism, flooding, falling objects, hail, or even violent contact with an animal. If an individual is leasing a vehicle there is a good chance that a lender will require a motorist to purchase this additional protection.
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