Are Comprehensive and Collision Insurance Mandatory?

Comprehensive and collision are optional coverages, as no state requires you to carry either of them. ... Comprehensive and collision are a must if you want to file claims with your car insurance company for most types of damage to your car, including its total loss.

Is collision and comprehensive required?

Unlike property damage liability insurance (which covers damage to other people's property) collision and comprehensive insurance are optional in California. However, lenders may require the purchase of collision and comprehensive policies before they will finance the purchase or lease of a new vehicle.

Why is comprehensive and collision insurance optional?

Collision coverage is optional. It helps cover costs associated with damages to your vehicle if you are in a car accident, regardless of who is at fault. ... So, if your car is only worth around $2,000, and your collision coverage deductible is $1,000, you might want to drop the coverage and go without it.