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Collision Liability Insurance Policies
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This liability insurance policy covers pays for any damage caused to your car during a collision, no matter whose fault it is.

Comprehensive Insurance Rates Policies

This liability insurance policy pays for any damage caused by anything other than a collision. Natural hazards and disasters are covered in this liability insurance rates policy.

Generally, on both of these liability insurance policies, you are not covered for your total loss. Usually, you need to pay a sum out of your pocket (called a deductible) before the insurance company will pay the rest. Also, the cost for replacement of parts coincides with the current value of those items. So, naturally the older a car gets, the less value it becomes, and your auto insurance policy reflects this.

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