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Mastering Version Control Systems A Comprehensive Guide To Git Paying for comprehensive and collision — the coverages that many people mean when they say "full coverage" — may not be worth it if your car's value is minimal and your policy includes a high deductible. usually, you have to have comprehensive and collision on a financed car because most lenders require it. however, if your vehicle is paid in full, you have the option to drop the coverages. Learn more about how comprehensive and collision insurance coverages can protect your rv against damage and loss.