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Texas Insurance: Collision Coverage and Comprehensive Coverage

Collision coverage pays for the cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. If you have a total loss, payment is limited to your car's actual cash value, minus your deductible. Actual cash value means the market value of your car before it was damaged. This coverage is great to have if you are in a one-car accident.

Comprehensive Coverage is no-fault insurance which covers the cost of replacing or repairing the damage to your car caused by acts other than a collision. For example, this coverage comes into play if your car is stolen or damaged by fire, vandalism, hail or any reason other than a motor-vehicle collision. Be careful though, your policy won't pay for an auto theft unless you report it to the police. Again, any claim for a total loss of your car is limited to your car's actual cash value, minus your deductible.

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Contact the Anderson Law Firm online, or by calling 817-294-1900 for a free consultation on your rights.