Which Auto Insurance Coverage is better? Comprehensive or Collision?
While both comprehensive insurance and collision insurance both help to cover the cost to repair or replace your vehicle. Hence, it covers the damages to your car by these accidents. these two types of policies differ. Collision covers car accidents and comprehensive covers damages from an “act of God,” or events when you are driving and encounter damages to your car which is not your fault. Think of it like this: Collision is colliding with something else (other than animals). On the other hand, Comprehensive covers damage to your car caused by events that are out of your control.
Having both comprehensive and collision insurance may be the right decision for you if you want full protection for most types of damage to your car, including its total loss.
Does Car Insurance in Los Angeles, California Cover Theft?
If your auto insurance policy in Los Angeles, California includes comprehensive coverage, you should choose the Actual Cash Value (ACV) to cover your vehicle. Comprehensive coverage will usually cover theft, as well as repair costs to break-in damages. However, car insurance in Los Angeles, California does not cover the theft of your personal items from your vehicle. It only covers items that are factory-installed in the vehicle.