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What is the Difference Between Comprehensive and Collision Coverage?


Comprehensive coverage helps cover the cost of damage to your vehicle caused by non-collision-related events, such as:

  • Theft

  • Storm damage, including hail, earthquake, and flooding

  • Damage from vandals, fire, or a riot

  • Damage from falling objects like a rock, branch, or other debris

  • Animal impact

A deductible applies to your comprehensive coverage. When selecting your deductible, it’s important to consider what you can afford to pay should you need to file a claim.


Collision coverage – or collision insurance – helps pay for damage to your vehicle if you are in an accident with another vehicle or object, or if your vehicle rolls over. This helps cover the costs to repair or replace your vehicle when it is involved in an accident with another car or object. For example, it can include coverage if:

  • You hit another car or an object like a highway median.

  • Another vehicle hits your car.

  • Your car rolls over or goes down an embankment.

A deductible applies to your collision coverage. When selecting your deductible, it’s important to consider what you can afford to pay should you need to file a claim.


Scenarios:

  • When you have an accident with another vehicle: Collision

  • When your vehicle strikes an animal: Comprehensive

  • When heavy winds, hail, or flooding damage your auto: Comprehensive

  • When your car hits an object like a fence or highway median: Collision

  • When a tree or electrical wire falls on your parked car: Comprehensive

  • When a rock chips or cracks your windshield: Comprehensive

  • When vandals cause damage: Comprehensive

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