Do I Really Need Comprehensive and Collision Coverage?

Buying auto insurance can sometimes be a little challenging if you aren’t familiar with the process. One common question our customers ask is whether they truly need comprehensive and collision coverage on their policy. Thankfully, our Robnett Integra Insurance Services team has everything you need to know. Keep reading to learn more.

What Are Comprehensive and Collision?

Before we can discuss whether you need them, let’s cover what they are. Collision coverage pays to fix your vehicle if it is in an accident where your car physically collides with something else, like another car or a mailbox. Comprehensive covers things that are out of your control, such as theft, fire, weather, animals, and more.

Comprehensive and Collision Coverage is Not Legally Required

Simply put, not having this option on your policy won’t get you a ticket. Here in Brownwood, TX, it is not a legal requirement to have comprehensive and collision coverage on your auto insurance policy. Comprehensive and collision insurance are considered first-party coverage, which means they pay to fix your vehicle and are optional. The government just wants to ensure you can take care of the other person if you’re involved in a serious accident, which is referred to as liability or third-party insurance coverage.

Have a Loan or Lease? You’ll Likely Need Full Coverage

While it isn’t legally required, there is a good chance your lender requires you to carry comprehensive and collision on your auto insurance policy. Failure to do so often leads to your lender forcing coverage on your behalf and adding the premium to your monthly payment, which can be incredibly expensive. Instead, it is better to seek out this coverage on your own. By working with a local agent, you can ensure you’re getting the best deal possible.

Ready to learn more about adding comprehensive and collision coverage to your Brownwood, TX auto insurance policy? Please contact our Robnett Integra Insurance Services team today for further details.