by 
The Curious Bag
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When shopping for car insurance, there are several different options to choose. Comprehensive insurance is usually an essential add-on to a state minimum and most people should consider this type of coverage.
Identification
Comprehensive auto insurance covers damages to your car that are not due to an accident with another car, such as floods or theft, reports CarJunky.com.
Benefits
Cars purchased through a loan or lease agreement generally require comprehensive coverage. Newer cars may also want to provide against unforeseen danger that could completely destroy the car, reports CarInsurance.com.
Considerations
Older cars usually do not see any benefits from comprehensive insurance, because the cost of a policy will probably outweigh the actual value of repair or maintenance costs, reports CarInsurance.
Tips
How much comprehensive coverage you need depends on how much risk you are willing to assume. CarJunky reports that the typical comprehensive plan people get covers $50,000 to $250,000 in damages.
Expert Insight
Some comprehensive policies give you the option of "Road Traffic Act"--coverage in case you are at fault in an accident while driving a borrowed car, reports All Insurance Info. In addition, comprehensive plans do not pay for damages from relatives or neglect.
Source:
CarJunky.com; Types of Car Insurance Coverage: Collision and Comprehensive
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