What Is the Difference Between Collision and Comprehensive Coverage?
Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive provides coverage for most other direct physical damage losses you could incur. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage. Return to top.
A. Collision coverage pays for damage to your vehicle as a result of its impact with an object or its upset. Comprehensive coverage applies to damage of your vehicle caused by vandalism, theft, glass breakage, missiles or falling objects, fire, explosion or earthquake, windstorm, hail, water or flood, riot or civil commotion or contact with bird or animal. Comprehensive coverage varies by state, please check your policy and with your agent.
Collision coverage helps pay, up to the policy limits, for accidental damage to your vehicle caused by a physical collision or overturn. Comprehensive coverage helps pay, up to the policy limits, for accidental damage to your vehicle caused by circumstances other than collision, such as hail, wind, theft, or vandalism.
Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
