Collision Deductible (Provides protection to the vehicle when it is involved in a collision with another vehicle or object, or is tipped over. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.)和Comprehensive Deductible(Provides protection to the vehicle when it sustains damages other than those described under Collision coverage. Namely: fire; theft; lightning, windstorm, hail, rising water or earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; stranding, sinking, burning, derailment or collision of any kind in, or upon, which the vehicle is being transported; falling or flying objects; and vandalism. Your deductible is the amount you agree to pay toward the repair or replacement of the vehicle. Choosing a higher deductible will, in most cases, lower the premium.)是啥费用?买第三险是必交的么?