{"id":95,"date":"2026-08-28T04:00:00","date_gmt":"2026-08-28T10:00:00","guid":{"rendered":"https:\/\/www.richinsuranceagency.com\/blog\/?p=95"},"modified":"2026-08-12T14:44:35","modified_gmt":"2026-08-12T20:44:35","slug":"collision-and-comprehensive-coverage-do-you-really-need-them","status":"publish","type":"post","link":"https:\/\/www.richinsuranceagency.com\/blog\/collision-and-comprehensive-coverage-do-you-really-need-them\/","title":{"rendered":"Collision and Comprehensive Coverage – Do You Really Need Them?"},"content":{"rendered":"

If you’re a Missouri driver, you’re required to carry auto insurance. Our team at Rich Insurance Agency LLC can help you find a policy that provides the coverage you need at a price you can afford. Drivers near Kansas City, MO, are invited to visit our office to talk through their auto insurance options. We’ve served clients like you since 2010.<\/p>\n

Collision and Comprehensive Coverage: Do You Really Need Them?<\/h2>\n

Missouri’s insurance requirements mandate liability and property damage coverage, but you may also have heard about collision and comprehensive coverage and wondered whether those are necessary, too. While neither is legally required, your auto lender will likely require both if you’re financing or leasing your vehicle.<\/p>\n

Collision insurance pays for damage to your car resulting from an accident, while comprehensive insurance covers non-collision events, such as storm damage or vandalism. Both types of coverage typically come with their own deductible, which means you could end up paying two separate deductibles if both types of damage occur at the same time. If you have questions about how this applies to your policy, any of our experienced agents would be happy to walk you through it.<\/p>\n

Give Us a Call Today for Your Appointment<\/h2>\n

Don’t take a chance by driving without auto insurance. Our team at Rich Insurance Agency LLC can help you explore your options. Since 2010, we’ve worked hard to build a reputation for excellent customer service among clients in the Kansas City, MO, area. Call us today to schedule your appointment, so we can help you drive with confidence.<\/p>\n

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If you’re a Missouri driver, you’re required to carry auto insurance. Our team at Rich Insurance Agency LLC can help you find a policy that provides the coverage you need at a price you can afford. Drivers near Kansas City, MO, are invited to visit our office to talk through their auto insurance options. We’ve […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[20,17,11,19,5],"class_list":["post-95","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-insurance","tag-kansas-city","tag-mo","tag-rich-insurance-agency-llc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t