Presenting “Car Insurance 101,” your (quiz-free) refresher course on what it all means and how it all works.
First up — the two main coverages that protect your car:
Collision: With Collision coverage, we pay to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who is at fault. When you buy Collision, you choose a deductible, typically $250 or $500. This is the portion you pay if you have an accident.

We then pay for the remaining costs to bring your vehicle back to pre-accident condition.
Comprehensive: With Comprehensive coverage, we pay to repair damage to your car that’s caused by something other than a collision, such as fire, theft, vandalism, hail, or flood. We also pay for damage caused by hitting an animal, and we pay for a rental vehicle if your car is stolen. Like Collision, when you buy Comprehensive, you choose a deductible.
Next time: Liability coverage and what it pays for when an accident’s (gulp) your fault.
For more information and quotes on auto or home insurance in Colorado, contact us at 303-423-1498. You can also visit us aw www.coautorates.com.