Cheap, sub-standard auto carriers write insurance for insureds with bad driving records. They are able to do this by setting their own limited conditions under which they will provide coverage. These sub-standard carriers do not cover claims that would be covered under a more standard policy. These policies can contain “named-driver exclusions” which limit coverage to persons specifically named in the policy. “Step-down” policies often lower liability coverage to a state’s minimum limits for permissive users, even if the insured pays for higher limits. Deductibles can be higher and/or a policy won’t extend coverage to a rental vehicle. Therefore, policy terms vary and directly affect whether a particular coverage follows the car or the driver.
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.
Cheap, sub-standard auto carriers write insurance for insureds with bad driving records. They are able to do this by setting their own limited conditions under which they will provide coverage. These sub-standard carriers do not cover claims that would be covered under a more standard policy. These policies can contain “named-driver exclusions” which limit coverage to persons specifically named in the policy. “Step-down” policies often lower liability coverage to a state’s minimum limits for permissive users, even if the insured pays for higher limits. Deductibles can be higher and/or a policy won’t extend coverage to a rental vehicle. Therefore, policy terms vary and directly affect whether a particular coverage follows the car or the driver.
To calculate the added cost in purchasing comprehensive and/or collision coverage we looked at annual insurance quotes for a 30 year old male from New York across four different insurance companies, and the ten best-selling vehicles in the US. We look at the range of rates you could pay from basic liability to policy plans with comprehensive and collision coverage. Collision typically costs more than comprehensive, although some companies require you to carry both rather than just one. Comparing quotes across at least three companies can get you lower car insurance rates.
Auto insurance will generally cover a driver from any state as long as he has the insured’s permission to operate the vehicle. However, this isn’t always the case. In all instances, when someone else operates the insured’s vehicle, the auto coverage and policy terms may vary greatly depending on the carrier and insurance options selected by the insured. That said, if an insured is driving a company/commercial vehicle which has Med Pay/PIP coverage, that coverage is usually primary over the driver’s personal auto policy, which will be secondary in terms of coverage. There are some exceptions.
To calculate the added cost in purchasing comprehensive and/or collision coverage we looked at annual insurance quotes for a 30 year old male from New York across four different insurance companies, and the ten best-selling vehicles in the US. We look at the range of rates you could pay from basic liability to policy plans with comprehensive and collision coverage. Collision typically costs more than comprehensive, although some companies require you to carry both rather than just one. Comparing quotes across at least three companies can get you lower car insurance rates.
Certain factors must be considered in determining if an insured is covered when driving someone else’s vehicle, including the reasons for driving the vehicle, if the insured had permission or not, or if it was a rental or dealership loaner. In each case, the individual circumstances and state law involved will factor into the outcome, but another policy might be considered primary over the insured’s.

Collision coverage is very important for protecting your vehicle against the financial loss that comes with physical damage to your vehicle. It's not hard to get into an accident. When an accident happens, someone is always at fault, and that could be you. Collision insurance will cover damage from a collision with another vehicle, tree, pole, guardrail and most other possible roadway hazards.
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Collision coverage is probably the most important coverage you need to have in order to protect your vehicle against physical damage. It is not difficult to accidentally hit something when driving. Somebody is always at fault, and that someone could be you. Some of the most significant damage to your vehicle can come from a collision with another vehicle, tree, pole or guardrail. In order to purchase collision coverage, you’ll need to purchase basic coverage as well. The higher your deductible (the amount you pay if you do get into a collision), the lower your monthly payments will often be — and this can be the best way to get the coverage you need and the savings you deserve at the same time.
Drive Other Car insurance is similar to an Individual Named Insured Endorsement. If you need to borrow, test drive, rent, or lease a vehicle, Drive Other Car insurance will extend the coverages you’ve purchased for your commercial auto insurance policy - like Liability insurance, Physical Damage insurance, Medical Payments, and Uninsured Motorist Insurance, to a non-owned car.
Let's use the aftermath of Superstorm Sandy as an example to illustrate the differences between collision and comprehensive. Within that storm, let's consider two events that might have happened: 1) a heavy tree branch fell on your car, or 2) you swerved to avoid a falling tree branch and wound up crashing into a tree. In the first event, you had no control over when or why a tree branch would fall on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you were driving the car and ultimately swerved into the tree, which makes it a collision, and collision insurance therefore pays for the damages. Events like the hypothetical ones stated above are why it's important to differentiate between the two types of coverage.
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