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Optional Comprehensive and Collision Coverage

The only situations where it is necessary to obtain comprehensive and collision coverage are when you take out a loan to buy a car or if you lease a vehicle.

Otherwise, it is up to you to determine if you want insurance to repair or replace your vehicle if and when you are in an at-fault accident.

I. Collision Insurance

Collision insurance covers damage to your vehicle if you are in an at-fault accident that you caused, whether or not the accident is with another vehicle. It is customary to purchase this coverage with a specific deductible amount that you will pay toward the claim before the insurance kicks in.

Some Additional Information about Collision Insurance

Deductibles: 

It is possible to purchase deductible limits from $100 to $1,000 or more. The higher the deductible is, the lower the premium. When you decide on a deductible amount, you should weigh the premium savings against your ability to pay the deductible if you have an accident.

Not At Fault Accidents: 

If your car is damaged in an accident that is not your fault, the at fault party’s property damage coverage should pay for repairing or replacing your car if that person has a property damage limit at least equal to the damages to your car.  You do not pay a deductible.

Cars That Are Leased or That Have a Loan Against Them: 

If you financed or leased your vehicle, the financial institution usually requires that you purchase collision coverage, and may even limit the deductible amount to as little as $500.

II. Comprehensive Insurance

Comprehensive coverage pays for damages to your vehicle caused by things other than collision, and for collision with an animal.  It pays for flood, theft, vandalism, explosion, fire, windstorm, and glass breakage.  It also pays for such things as a tree falling on your vehicle. As in collision coverage, you usually have a choice of deductibles, with the higher deductible producing the lower premium.

Some Additional Information about Comprehensive Insurance

Cars That Are Leased or That Have a Loan Against Them: As with collision insurance, if you financed or leased your vehicle, the financial institution usually requires that you purchase comprehensive coverage, and may even limit the deductible amount to as little as $500.

Windshield Coverage

As an incentive for Florida residents to repair cracked or broken windshields, all policies with comprehensive coverage are required to include full replacement cost for windshields without a deductible. The deductible does apply to all other broken windows on a vehicle.

If there is no financial institution requiring that you have comprehensive and collision coverage, visit our page that explains how you should decide whether to purchase one or both of those insurances and at what deductible.