COLLISION INSURANCE: Covers car repairs after an accident. COMPARATIVE NEGLIGENCE: The percentage each party is at fault in an accident. Reviewed by claims adjusters after a claim has been filed. COMPREHENSIVE INSURANCE: Covers natural disasters, fire, vandalism, theft, falling objects, and damage if you hit an animal. It can also cover missiles, explosions, windstoms, riots or civil commotion and glass breakage (most carriers can offer a $0 glass deductible, as known as “Full glass” coverage). CONDITIONS: The part of your policy that explains what’s involved in filing a claim and the policy cancellation terms. CONTRIBUTORY NEGLIGENCE: A type of negligence law that states you won’t collect any money if you’re even slightly at fault. COVERAGE: What the insurance company will pay for if you’re in an accident. CUSTOM PARTS AND EQUIPMENT COVERAGE: Covers add-ons, including body parts like a spoiler, mechanical parts like an engine, and electronics. DAMAGES: Payments for injuries or losses.
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