What is the difference between Collision and Comprehensive coverage?


Collision: This insurance covers your auto if it is involved in a collision (either your vehicle hits another vehicle/object or another vehicle/object hits your vehicle). It also includes rollover accidents. However, many common incidents are excluded under this coverage, such as hitting an animal, fire, theft/larceny, windstorm, hail, water/flood damage, and vandalism.

Comprehensive (also known as “Other Than Collision”): This covers all of the incidents excluded in the standard Collision insurance (such as hitting an animal, theft/larceny, hail, etc.).