Pays cost of repairing or replacing owner's car when damaged due to an accident. Repair or replacement of any car driven by owner or with owner's permission. Important for new or expensive car. Usually not needed for vehicles over 10 years old or when value of car no longer justifies cost of coverage. Deductible is the out of the pocket cost to the insured.
Higher Deductibles equal lower premiums.
Pays cost of towing or minor repair to disabled car. Dead battery, Out of gas, Flat tire, Accident regardless of cause or fault. Good to have. Not needed if owner belongs to automobile club with towing service. Pays cost of rental car when vehicle is not drivable due to a covered loss.