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Collision and Comprehensive Insurance

In addition to liability coverage, if you have a loan you will be required to add collision and comprehensive insurance on your policy.

Collision Insurance. If you were at fault in an accident, collision insurance covers the cost to repair your vehicle up to the vehicle’s market value before the accident.

Comprehensive Insurance. Comprehensive insurance covers the costs to repair your vehicle for damage that might occur from things such as natural disasters, vandalism, theft, fire, or hitting an animal on the road.