Comprehensive vs collision are two types of auto insurance coverage. Both offer protection if your vehicle is damaged, but they’re very different.
Many drivers opt for comprehensive and collision insurance even though most states don’t require that level of coverage.
It can pay for the repairs or replacement for unexpected damage to your car.
Overview: what is comprehensive vs collision insurance?
Collision vs comprehensive auto insurance compensates you for damage to your vehicle. In some cases, an outside force like a tree or animal damages your car. Or you may sideswipe an object or bump into another vehicle.
Comprehensive insurance vs collision insurance protection are typically sold together as a bundle. You can opt into both, one or the other, or neither.
But here’s the catch:
Comprehensive vs collision insurance do not cover damage to another person’s vehicle or property or anyone’s medical bills.
That’s what liability insurance is for.
Most states require liability coverage, and it protects you if you cause harm to someone else or their vehicle.
However, lenders will likely require you to purchase comprehensive and collision coverage if you’re financing or leasing your car.
|Collision Insurance||Comprehensive Insurance|
|Covers you if…||Covers you if…|
What Does Comprehensive Auto Insurance Cover?
Comprehensive auto insurance protects you from losses due to outside forces that are not a collision.
Comprehensive insurance includes:
- Animal damage
- Falling objects like trees or hail
- Natural disasters like a tornado, hurricane, earthquake, volcano, tsunami