What does it mean to have full auto coverage? Full coverage includes liability, collision and comprehensive insurance. In most states, the law requires motorists to have liability coverage. New Hampshire is one of a few states that doesn’t require drivers to have auto insurance.

Liability insurance covers accidents where you are at fault. It covers property damage and personal injury claims. Consider adding collision and comprehensive coverage for extra protection. People who add collision and comprehensive lower the risk of paying out-of-pocket for accidents or damages.

Collision covers claims that result from an accident with another car, or stationary object. It provides coverage whether you’re at fault or not. Collision provides protections for

  • Accidents caused by uninsured motorists
  • Collisions with another car when it’s your fault
  • Collision with another car when it’s not your fault
  • Hit and run accidents
  • Collision with a stationary object

Comprehensive insurance covers incidents that are not covered by liability or collision. It covers “acts of God,” or things that are out of the driver’s control. Some examples include:

  • Falling objects such as trees or limbs
  • Natural disasters
  • Civil commotion
  • Animal impacts
  • Broken windows
  • Acts of terrorism
  • Theft
  • Vandalism

Adding collision and comprehensive coverage will increase your premium payments. If you’re not sure if it’s worth the extra expense, here’s some information that may help you decide:

  • 6% of drivers with collision filed a claim
  • The average collision claim is $3,350
  • Consider collision coverage if your car is worth more than $3,000
  • If you lease a car, you may need to prove you have collision and comprehensive coverage
  • If you have a loan on your car, you may need to prove you have collision and comprehensive coverage
  • 2.75% of drivers with comprehensive filed a claim
  • The average comprehensive claim is $1,670.00
  • Collision coverage has a lower deductible than liability coverage

One formula you can use to decide if collision and comprehensive is worth the extra cost

5 (years) X Collision Premiums (per year) >= Value of your car



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