Comprehensive insurance covers damage to your car from theft, vandalism, or other non-collision events. This is not required by law, but it is a good idea to have if you live in an area where car theft is common.
Collision insurance covers damage to your car from a collision with another vehicle or object. This is also not required by law, but it is a good idea to have if you are a new driver or if you drive in a busy area.
Uninsured/underinsured motorist insurance covers you in the event that you are hit by a driver who does not have insurance or who does not have enough insurance to cover the damages. This is a good idea to have in case you are in an accident with a hit-and-run driver.
The dealership will want to make sure that you have all of these types of insurance before they will allow you to drive the car off the lot. They may also require you to have a certain amount of coverage, such as $50,000/$100,000/$50,000. This means that your policy will cover up to $50,000 for bodily injury to one person, up to $100,000 for bodily injury to two or more people, and up to $50,000 for property damage.
It is important to note that the dealership is not required to accept any particular insurance policy. They may only accept policies from certain companies or they may have specific requirements about the coverage that must be included. It is important to shop around and compare policies before you choose one.
