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Of course, we recommend that you carry much more liability car insurance than the minimum. Otherwise, if the injuries and damages are severe, you might end up paying for them out of your own pocket. One of our agents will be happy to recommend the right amount of auto liability insurance for you. Collision insurance is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive car insurance provides coverage for most other direct physical damage with things other than collisions. For example, damage to your car from a natural disaster, like a tornado, will be covered under your comprehensive coverage. Other examples are vandalism, falling objects, fire, animals, and theft. Unless required by a finance or leasing company, comprehensive and collision insurance are usually optional. However, that certainly doesn’t mean they aren’t important. You wouldn’t want to be caught in hailstorm and not have comprehensive insurance!For more information on what is collision insurance, what is comprehensive insurance, and how much you might need, talk to one of our friendly agents today.