What is the difference between comprehensive physical damage coverage and collision physical damage coverage?
Both comprehensive and collision coverages relate specifically to the vehicle being physical damaged rather than the liability portion of the policy. Comprehensive and collision coverages are not necessarily required on an auto policy and are considered optional when purchasing a policy. The only time comprehensive and collision coverages may be required is if you are financing or leasing a vehicle and the lien holder or additional insured requires such coverages. Collision is defined as losses you incur when your vehicle collides with another vehicle or object. For instance, if you are involved in an accident and your vehicle collides with another vehicle, damages to your vehicle will be paid under the collision coverage. Comprehensive covers all other direct physical damage other than collision such as fire, theft, vandalism, etc. Make sure you understand the difference between the two coverages when you are purchasing an auto insurance policy so you can obtain the proper and appropr
