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Auto Insurance is there to protect your assets. Auto insurance will help you take care of medical bills, the cost of reparation for vehicles involved, and even sew costs (this may vary, depending on the insurance plan you have selected) should an accident occur.

What is Comprehensive Auto Insurance?

Comprehensive auto insurance is one of the optional coverages that many drivers elect to purchase beyond what is minimally required by his or her State of Residence.

Comprehensive Auto Insurance is sometimes confused with "Collision" insurance, but they are two separate options. In fact, "Comprehensive" can be thought of covering any and all other calamities that can befall your vehicle other than the result of hitting something, or something hitting your car. That is why "Comprehensive" is also sometimes referred to as "Fire and Theft" - because it is this coverage that pays out if your car is stolen or damaged in by fire. Often auto insurance companies will "bundle" Comprehensive and Collision together, but they can be purchased separately.

Whether or not you need Comprehensive insurance really depends on the value of your automobile and your ability to replace it - should it be totaled, or stolen. On new, high-value autos, it is highly recommended that you carry comprehensive auto insurance. If you have financed or leased your vehicle, your leasing company or the bank will probably require that you have comprehensive auto insurance. In the rare instances that they do not, you had better make sure to have it anyway, because if your financed car is damaged beyond repair or stolen, you will still be held personally responsible to pay off the remainder of the loan. Comprehensive auto insurance will help defray that cost, by paying you the value of the vehicle, less your deductible.

If you have an older car, you need to weigh the cost of the additional coverage against that car's worth and your ability to replace it with one of equal value. While "Comprehensive" was once referred to as "Fire and Theft" - "Comprehensive" is now the more generally accepted term because comprehensive auto insurance covers just about any kind of damage to your vehicle, outside of collision, that you can think of and is not limited to "fire."

Examples of damage that "Comprehensive" will cover include, but are not limited to: vandalism, riots, and weather and flood related damage that is not deemed to be the result of  "Acts of God."

Why Car Insurance?

First reason why you need Auto or Car Insurance is because it is required, in almost all 51 States, to have auto liability insurance.

Auto Insurance is there to protect your assets. If you are involved in a car accident, auto insurance will help you take care of medical bills, the cost of reparation for vehicles involved, even sew costs (this may vary, depending on the insurance plan you have selected).

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