Here's why:
* Collision Coverage: This is the type of insurance that specifically covers damage to your vehicle caused by an accident with another vehicle. It's often bundled with comprehensive insurance but needs to be purchased separately.
* Comprehensive Coverage: This covers damages to your vehicle caused by events like theft, fire, vandalism, natural disasters, and falling objects. It doesn't cover collision-related damages.
Here's a quick breakdown:
* Collision Coverage: Covers your car after an accident with another vehicle.
* Comprehensive Coverage: Covers your car after non-collision incidents like theft or hail damage.
To get your vehicle fixed after hitting another vehicle, you will need Collision coverage.
Important Note: Even with collision coverage, there might be a deductible you'll have to pay before the insurance company covers the rest.
Always review your insurance policy thoroughly to understand your coverage and limitations.
