What Is Difference Between Collision And Comprehensive Auto Insurance?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Collision coverage is for the physical damage to your automobile that comes about when you hit or are hit by another automobile, or object.  This includes upset.  The coverage pays for repairs to your vehicle for the amount of loss that exceeds your deductible.  Comprehensive coverage pays for loss caused by anything other than collision.  This coverage also includes damage caused by hitting a bird or animal. 
    Answered on May 19, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Both together form the "physical damage/loss protection" portion of your personal Auto Insurance policy. Collision is the more narrowly defined of the two in that it provides coverage in the event that your car is damaged as a result of coming into contact with another motor vehicle, a stationary object or a human being. Comprehensive provides coverage for most everything else, for example, theft, vandalism, fire, water, damage as a result of a falling object or contact with an animal, etc. Both types of coverage settlements would be subject to a deductible in most cases. However, if your policy includes a Full Glass coverage option, damage to your window glass would not be subject to that deductible.
    Answered on September 25, 2015
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