There is a case to be made for getting just comprehensive and not collision insurance, even if your car is not valuable. Comprehensive covers you for a lot more perils than does collision--including, most importantly, against theft. Regardless of the value of your car, having it stolen is a major inconvenience. Even if your car is worth only $2,000 at the time of the theft, and your insurer gives you $1,500, that sum would go a long way in buying yourself a new vehicle. As we discuss in more detail below, comprehensive insurance generally costs no more than $200 per year, so a $1,500 reimbursement would make the coverage valuable.
Normally 2Litre and Naturally aspirated its now been turbocharged and is currently running 320Bhp. As well as the Stage 3 Billet Turbo Kit with supporting modifications it’s also had a full V1 Rocket Bunny body kit fitted complete with side skirts, splitter and carbon GT wing and to finish off a gorgeous and quite pricey set of Work Meister M1's which suit this body incredibly well.
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This Ep3 Civic Type R has been resprayed in the lovely Championship white. Not only is the car this colour but he has had his original Enkei wheels powder coated to match the car. The K20 engine is still naturally aspirated but has had induction and exhaust modifications. The car has had a lot of visual modifications but has been kept simple and tasteful.
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And because you've had the nerve to spend your hard-earned money on making your modified car the envy of your manor - or at least made a start on it - you've probably heard them suppressing their sniggers as they tell you that they won't cover your modifications, and will only give you the 'market value' of the standard car if some muppet writes off your pride and joy. What a rip off!
The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking.
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