Comprehensive coverage can help pay for repairs to your car if something other than a collision with a vehicle or person damages it. This can include things like fire, flooding or hitting an animal. 

Collision coverage helps pay to fix or replace your car if you get in an accident while driving, no matter who’s at fault. If you back into a pole or hit another car, your policy can help pay to repair or replace your car with collision coverage. 

Most states require liability coverage. If you hit and injure another driver, you could be responsible for their medical bills and property damage. You can help protect your assets with liability coverage. 

Learn more about types of car insurance coverage. 

Yes. Most policies pay up to your vehicle’s actual cash value on a covered claim after you pay your deductible. 

Your car’s value usually goes down the longer you own it. If it costs more to fix your car than its actual cash value, your insurance company may consider it a total loss. 

You don’t have to give up great coverage and service to lower your cost. You could save when you bundle auto and property policies.‍ ‍ ^{See note 1}