Collision and Comprehensive Auto Insurance Information Florida FL
Reader’s Question:
What should I get: a comprehensive insurance auto insurance policy or a collision auto insurance policy? Can you give me auto insurance information on both?
Belle
Miami, FL
Here is some auto insurance information that might help. Comprehensive auto insurance covers the damages to your car if it has been flooded, stolen, caught in fire or for some reason damaged by animals. It covers all sorts of damages except collisions. It isn’t a requirement by the state of Florida. Although the regulations vary, most states require liability coverage only. But getting a comprehensive auto insurance policy can save you in cases of unexpected calamities. You can choose how high your deductible is, which is basically the amount of money you will pay (from out of your own pocket) if something bad happens to your vehicle. This depends on what you’re comfortable with. Just remember the higher the deductible, the lower the premium.
Collision auto insurance, on the other hand, covers the damages to your vehicle in times of collision. I suppose your consideration should be which type of accident is more likely to happen to you. Consider where your car is parked and how dangerous the neighborhood is. How often do you use your car? Do you travel long distances? Are you a first time driver? Consider your driving record. You would know better than anybody whether you are more likely to get into a collision or whether your car is more likely to get stolen or damaged by natural causes.
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