Comprehensive coverage in auto insurance Las Vegas pays for damage to YOUR VEHICLE from almost all other causes, these would include:

Fire
Severe Weather
Vandalism
Floods
And Theft
Comprehensive coverage also covers broken glass, such as windshield damage.

Comprehensive coverage is completely optional and you are not required by law to carry it.

Comprehensive coverage and deductibles in auto insurance Las Vegas.

If you have comprehensive insurance. There could be an deductible involved if you make a claim.

The higher the deductible the lower your insurance premium. The lower the deductible you choose to pay at the time of a claim the higher your insurance premium will be.

For example if you choose a $250 dlls. deductible, and you have a claim for a 1000 in vehicle damage, the insurance company will front $750 and you will have to pay $250 dlls.
Another instance where you may need to have comprehensive coverage is if you buy a new car and it is financed by a financial institution because they consider the vehicle as collateral for the loan that you are being given.

In this case we recommend getting the highest deductible that you can afford comfortably so that you can have a low premium on your policy.

COLLISION COVERAGE IN AUTO INSURANCE LAS VEGAS

Collision coverage in auto insurance Las Vegas protects you from damage to your vehicle, regardless of who was at fault in the accident. Collision coverage provides for the repair of the damage to your vehicle or a monetary payment if the vehicle is a total loss.

If the other driver is at fault your insurance company may seek to get reimbursement from the other persons insurance company

Collision and comprehensive coverage are generally sold together. But some insurance companies will sell it as separate coverages. Be sure to ask your insurance agent to know what is the BEST option for YOU in auto insurance Las Vegas.