How does collision coverage differ from comprehensive coverage?

Collision coverage and comprehensive coverage serve different purposes when it comes to auto insurance, and the key distinction lies in the types of incidents each one addresses.

Collision coverage specifically protects against damage to your vehicle resulting from accidents, regardless of fault. This includes collisions with another vehicle or object, such as a tree or pole. For instance, if you get into a car accident, your collision coverage would reimburse you for the repairs to your car.

On the other hand, comprehensive coverage protects against incidents that are not related to collisions. This includes a variety of non-collision events such as theft, vandalism, natural disasters (like floods and hurricanes), fire, or damage from hitting an animal. Essentially, comprehensive coverage allows you to recover losses from unforeseen circumstances that do not involve driving or a direct impact with another vehicle or object.

Recognizing this distinction reiterates the importance of having both coverages, as they address separate risks associated with owning and operating a vehicle.