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Re: Teenage insurance?
Maybe your insurance company calls the coverage by different names than mine. At Travelers:
Liability: Required by law. Covers any damage you do to other peoples property, and personal injury to yourself, occupants in your car, and anyone else in an accident you cause.
Comprehensive: Covers fire, theft, vanalism, broken windows... but not damage resulting from an accident that you cause.
Collision: Covers damage to your car in an accident that you caused.
Some companies wont give you comprehensive coverage unless you also have collision coverage. Over the years they have learned that people will wreck their own cars, then report them as stolen - so most require you to have both, unless maybe the car is off the road (a collectors item stored in a garage).
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