How old does a car have to be before collision-comprehensive insurance is no longer necessary?

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I believe it can be brand new, but you can't have a loan on it.

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Loss of use?  Non pecuniary loss?  When sould you drop comprehensive and collision?  Should you have collision insurance on a car worth 100 dollars?  When should you consider dropping comprehensive and collision insurance from your existing policy?  Should a 12 year old car be insured for comprehensive loss in physical damage and collision loss?