[Fawn]

My car was hit by lightening last week....:( Fried electrical...had to buy a new car. Please learn from my mistakes:
1. Never park under a tree during a storm.
2. Never get rid of your Collision insurance because the comprehension goes away with it...which would cover acts of God.

[Yosemitest]

Some insurance companies will allow you to keep comprehension insurance, and drop collision insurance.
You just have to ask about it.
I'm with State Farm Insurance.