{"id":2878,"date":"2024-03-07T10:10:35","date_gmt":"2024-03-07T16:10:35","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/do-i-need-comprehensive-collision\/"},"modified":"2025-08-27T10:03:45","modified_gmt":"2025-08-27T15:03:45","slug":"do-i-need-comprehensive-collision","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/do-i-need-comprehensive-collision\/","title":{"rendered":"Do You Need Comprehensive and Collision Insurance?"},"content":{"rendered":"\n<p><span class=\"TextRun SCXW8492799 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW8492799 BCX0\">If you live in one of the 48 states that require insurance, you probably already <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">carry <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">liability coverage<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">, and potentially<\/span> <\/span><a class=\"Hyperlink SCXW8492799 BCX0\" href=\"https:\/\/www.thegeneral.com\/blog\/uninsured-motorist-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW8492799 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW8492799 BCX0\" data-ccp-charstyle=\"Hyperlink\">uninsured motorist coverage<\/span><\/span><\/a><span class=\"TextRun SCXW8492799 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW8492799 BCX0\">.<\/span> <span class=\"NormalTextRun SCXW8492799 BCX0\">While no<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">ne of the <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW8492799 BCX0\">states<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\"> mandate<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\"> comprehensive and collision insurance, it may still be worth the additional cost for certain groups of people<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">.<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\"> In addition, <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">if <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">you\u2019re<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\"> leasing a <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">vehicle,<\/span><span class=\"NormalTextRun SCXW8492799 BCX0\"> you <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">may be required to <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">maintain<\/span> <span class=\"NormalTextRun SCXW8492799 BCX0\">full coverage insurance <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">until your contract ends. <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">Read on to learn if you need <\/span><span class=\"NormalTextRun SCXW8492799 BCX0\">comprehensive and collision coverage.<\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-comprehensive-and-collision-coverage\"><b><span data-contrast=\"none\">What Is Comprehensive and Collision Coverage?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Before you select a level of coverage, learn what each of these terms mean:<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-liability-insurance\"><b><span data-contrast=\"none\">Liability Insurance<\/span><\/b><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\"><span data-contrast=\"none\">Liability coverage<\/span><\/a><span data-contrast=\"none\"> is required in almost every state to be considered a legal driver. If you get into a car accident and the other driver or their car is injured or damaged, liability insurance will reimburse them (up to the limit purchased) to help protect you against legal troubles and financial loss. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-collision-insurance\"><b><span data-contrast=\"none\">Collision Insurance<\/span><\/b><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-collision-insurance\/\"><span data-contrast=\"none\">Collision insurance<\/span><\/a><span data-contrast=\"none\"> pays for damage (up to the limit purchased) your car sustains from hitting an object, flipping over or running over a pothole.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comprehensive-insurance\"><b><span data-contrast=\"none\">Comprehensive Insurance<\/span><\/b><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-comprehensive-car-insurance\/\"><span data-contrast=\"none\">Comprehensive insurance<\/span><\/a><span data-contrast=\"none\"> covers any damage (up to the limit purchased) to your car that isn\u2019t caused by a collision, including damage caused by:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"none\">Animals<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">National disasters<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Vandalism\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Theft<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Falling objects<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Projectiles hitting your windshield<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"none\">With any of the above insurance types, you\u2019re reimbursed up to the limit purchased for the cost of the damage once you reach your deductible.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-needs-comprehensive-and-collision-coverage\"><b><span data-contrast=\"none\">Who Needs Comprehensive and Collision Coverage?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Comprehensive and collision insurance provide important protection against financial loss and are especially important for the following:&nbsp;&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b><span data-contrast=\"none\">Leased or financed vehicles:<\/span><\/b><span data-contrast=\"none\"> If you\u2019re financing or leasing a vehicle, you may be required to maintain full-coverage insurance, which typically includes collision and comprehensive coverage. If you let your coverage lapse, your vehicle\u2019s manufacturer could repossess your car. Getting your vehicle repossessed can damage your credit and even lead to higher premiums in the future.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Commuters:<\/span><\/b><span data-contrast=\"none\"> If you drive through areas with high traffic or accident rates, you\u2019re statistically more likely to be involved in an accident and could benefit from collision insurance. Look at your local crash statistics to see if this applies to you.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Residents of natural-disaster-prone areas:<\/span><\/b><span data-contrast=\"none\"> If you live in an area that floods frequently or experiences other weather-related problems, such as hurricanes, tornadoes, hailstorms, etc., you may want to consider maintaining comprehensive insurance on your vehicle in the event of an emergency. Comprehensive insurance could cover you if flying objects hit your car. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Expensive car owners:<\/span><\/b><span data-contrast=\"none\"> If you own a pricey car with expensive replacement parts, or replacement parts that exceed the cost of your deductible, comprehensive and collision insurance might be a worthy investment. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-you-drop-your-comprehensive-and-collision-coverage-nbsp\"><b><span data-contrast=\"none\">Should You Drop Your Comprehensive and Collision Coverage?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Experts used to recommend dropping comprehensive and collision coverage on cars after they turned five or six or passed the 100,000-mile mark. However, each car is an individual case\u2014some expensive and luxury cars would still benefit from comprehensive and collision coverage even after they\u2019ve met these conditions.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Old vehicles that have lost most of their value due to depreciation may not need comprehensive and collision coverage. To determine if you should keep the comprehensive and collision, calculate your car\u2019s maximum payout\u2014the market value of your car minus your deductible\u2014and see if the additional coverage is worth the cost of the insurance over time.&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-keep-either-comprehensive-or-collision\"><b><span data-contrast=\"none\">Can I Keep Either Comprehensive or Collision?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">While comprehensive and collision are usually sold together, you don\u2019t need to maintain both. For example, if you\u2019re a safe driver and you don\u2019t have a lengthy commute, but you live in a flood-prone area, it may make sense to keep comprehensive coverage and drop collision.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">To learn more about all things insurance, visit <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/\"><span data-contrast=\"none\">The General\u2019s blog<\/span><\/a><span data-contrast=\"none\">. If you\u2019re looking for affordable coverage, you\u2019ve come to the right place. For over 60 years, The General has offered amazing rates, five-star customer service, flexible payment options and more to our customers. Get a <\/span><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span data-contrast=\"none\">free insurance quote<\/span><\/a><span data-contrast=\"none\"> in under two minutes and see how much you can save.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><img decoding=\"async\" src=\"https:\/\/www.thegeneral.com\/going-places\/wp-content\/uploads\/2024\/11\/Cheap-Car-Insurance-Companies-Online.png\" alt=\"\" class=\"wp-image-4286\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>If you live in one of the 48 states that require insurance, you probably already carry liability coverage, and potentially uninsured motorist coverage. While none of the states mandate comprehensive and collision insurance, it may still be worth the additional cost for certain groups of people. In addition, if you\u2019re leasing a vehicle, you may [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2880,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need Comprehensive and Collision Insurance? | The General<\/title>\n<meta name=\"description\" content=\"Learn if you need comprehensive and collision insurance with this guide from The General. 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