What’s the Difference Between Comprehensive and Collision Coverage?

Here’s an easy way to understand the basic differences between Comprehensive and Collision coverage:

Collision coverage applies when two vehicles hit each other, or when a single vehicle hits an object of some sort (such as a tree, or a pole in a parking structure).

 

Comprehensive coverage protects you when your car has sustained damage that did not result from a collision, such as either a natural or civil disturbance (such as a hail storm, a falling tree, or an act of vandalism). Comprehensive coverage also protects against damage such as a broken window or windshield, as well as any damage sustained if you accidentally hit an animal while driving.

Because these coverages protect you against different types of losses, it’s usually a good idea to include both on your policy.