Collision coverage will pay for repairs for the car as well as replacement costs, in the event the car is totaled after crashing into another car; crashing into an object; or rolling over.
Comprehensive coverage will help pay for repairs to the damaged car or replacement of the car after it’s been damaged by events that are not accident-related, such as:
- Falling objects, such as tree limbs
- Hitting or being hit by an animal
- Natural disasters – hurricanes, tornadoes, earthquakes
In general, comprehensive auto insurance pays for damages when people have little or no control over the incident. Collision takes care of damages that occur when a driver has more control over the situation.