What is the difference between comprehensive and collision?
Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it is anything else other than a collision such as fire or theft. Most people would have both coverage’s when using the car on a regular basis. Sometimes when one is just storing a car they may only keep comprehensive coverage since they are not using it on the road therefore, it is unlikely to be in a collision.
Comprehensive physical damage coverage pays for damage to your car from theft, vandalism, flood, fire, or other covered perils and can be consider as any physical loss that is “other than collision.” An example of when you would use this comprehensive coverage would be to cover damages to your car which resulted from a tree branch falling on the hood of your car. Typically, these are “act of God” type losses and do not impact your rates because there is not negligence attached to these types of losses. Collision coverage pays for the damage to your car after it is involved in a motor vehicle accident in which the car was physically struck or struck another vehicle or stationary object.
