Comprehensive vs. Collision Coverage
Collision insurance pays for:
- Damage to your car in an accident you cause.
- Damage to your car if you hit an object such as a fence or pole.
- Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.
Comprehensive insurance pays for:
The value of your car if it’s stolen and not recovered, and damage from:
- Weather such as tornadoes or hail.
- Floods.
- Fire.
- Falling objects.
- Explosions.
- Crashes with an animal, such as striking a deer.
- Riots and civil disturbances.
- Vandalism.
