Suppose that you only have liability and collision car insurance and you allow your roommate (who doesn't have car insurance) to drive your car to run an errand. what will likely happen if there is a single-car accident causing moderate damage to your car while your roommate is driving?

 Your insurance policy will likely not cover the damages to your car.

A comprehensive car insurance is a type of car insurance which cover other damages to your car with the exception of collision. Comprehensive car insurance only cover damages that occur as a result of vandalism, disaster, theft, fire, etc,; it does not cover damages due to accident collision.
 

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