What is comprehensive and collision insurance?

Comprehensive coverage protects your vehicle from unexpected damage, such as the fall of a tree branch on it or the impact of an animal, while collision coverage protects against collisions with another vehicle or object. Collision insurance will help you pay for the costs of repairing or replacing your vehicle, even if you've had an accident with an uninsured driver. Collision coverage could pay if you hit another car or object, or if someone else hits your car and you don't have insurance. In some cases, the collision can also repair your car if someone hits you and you don't have insurance or if you are hit by a driver who is on the run.

Having a comprehensive policy may provide coverage for some physical damage scenarios, but you won't have coverage if your car is damaged after hitting another car or object. Comprehensive coverage can help pay for situations such as broken glass in a car, repairing the car after colliding with an animal, damage caused by a fire, and damage caused by fallen objects. If your car is old and not worth much, you may decide that comprehensive and collision insurance isn't worth it. While some call them “collision insurance” and “comprehensive insurance,” these options aren't individual policies, but coverage options that you can add to an existing car insurance policy.

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