Collision coverage – or collision insurance – helps pay for damage to your vehicle if you are in an accident with another vehicle or object, or if your vehicle rolls over.
What Is Collision Coverage?
Collision coverage helps cover the costs to repair or replace your vehicle when it is involved in an accident with another car or object. For example, it can include coverage if:
- You hit another car or an object like a highway median.
- Another vehicle hits your car.
- Your car rolls over or goes down an embankment.
A deductible applies to your collision coverage. When selecting your deductible, it’s important to consider what you can afford to pay should you need to file a claim.
What Is Comprehensive Coverage?
Comprehensive coverage helps cover the cost of damage to your vehicle caused by non-collision-related events, such as:
- Storm damage, including hail, earthquake and flooding
- Damage from vandals, fire or a riot
- Damage from falling objects like a rock, branch or other debris
- Animal impact
A deductible applies to your comprehensive coverage. When selecting your deductible, it’s important to consider what you can afford to pay should you need to file a claim.
Collision Coverage vs. Comprehensive Coverage
- When you have an accident with another vehicle.
- When your car hits an object like a fence or highway median.
- When your vehicle strikes an animal.
- When heavy winds, hail or flooding damage your automobile.
- When a tree or electrical wire falls on your parked car.
- When a rock chips or cracks your windshield.
- When vandals cause damage