Collision Coverage vs. Comprehensive Coverage

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:

  • Fire
  • Theft
  • Vandalism
  • Falling objects, such as tree limbs
  • Floods
  • Hail
  • 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.