In auto insurance, an appraisal is a process by which a body shop employee or auto damage appraiser estimates the cost to repair a damaged vehicle. (allstate.com)
Second, by being insured, you will avoid going into debt from having to pay for auto damages with your personal savings. (carinsurancequote.net)
Generally speaking, comprehensive coverage protects you against auto damage due to theft, bad weather, vandalism, or falling objects. (policygenius.com)