What Is the Difference Between Comprehensive and Collision Coverage?
Both comprehensive coverage and collision coverage provide protection for the insured vehicle. If the insured vehicle is damaged in a covered incident, the appropriate coverage will help pay to have the vehicle repaired or replaced (according to the policy’s terms, conditions and limits).
The types of incidents that comprehensive coverage and collision coverage cover, however, are quite different.
Collision coverage generally covers accidents that involve two or more moving vehicles. In insurance terms, such accidents are typically called collisions.
Comprehensive coverage normally covers incidents that don’t involve other vehicles. For example, a policy’s comprehensive coverage might cover damage caused by a break-in, a hail storm or contact with a deer. Although a vehicle usually must be moving in order to hit a deer, insurers frequently still categorize claims for such incidents under comprehensive coverage because only one moving vehicle is involved.
(The above are only examples of what may be covered. Precisely what incidents each of these coverages protects against depends on a particular policy’s terms, conditions and exclusions.)