Collision Vs. Comprehensive Coverage

collision and comprehensive insurance

Collision Vs. Comprehensive Coverage

Insuring your vehicle can be an overwhelming experience for some. With many different offers and options, it can be difficult to understand what you need.

Collision Coverage:

This type of coverage covers damage to your vehicle in the event of a collision with another vehicle. This may cover repairs or the full replacement of your covered vehicle.

  • Your vehicle hits an object – like a tree or pole. 
  • Your vehicle collides with another vehicle.
  • Your vehicle rolls over.
  • Your vehicle is damaged from a pothole.


Comprehensive Coverage:

This type of coverage pays for damage to your vehicle caused by events like theft, vandalism, hail, or non-collision related. For example, if a tree falls on your car or is damaged by other weather events, you’ll be covered by your comprehensive auto coverage.

  • An object falls on your vehicle – like a tree or pole.
  • An animal collides with your vehicle.
  • Your vehicle is damaged due to a natural disaster or weather event.
  • Your vehicle is vandalized or stolen.


If you are unsure if you need both coverages, here are some factors to consider:

Value of Your Vehicle

The more expensive your vehicle is, the more expensive it is to replace. Both coverages would protect you from having to pay out-of-pocket costs.

Risk of Accidents

If you are a frequent driver, especially on busy roads, you maybe be more likely to get into an accident. Collision coverage would offer you protection while out on the road.

Your Area

Some locations are more hazardous than others. Suppose there is more of a change to be affected by weather events, nature, or other environmental factors outside your control. In that case, comprehensive coverage will offer your vehicle protection off the road.

Anyone with a car would be advised to have collision and comprehensive coverage. However, coverages options can differ based on your situation. Talk to our personal risk advisors today for a free quote to see where you stand!


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