Collision and comprehensive are separate types of physical-damage coverage for your vehicle. Collision generally applies to covered damage from crashes with another vehicle or object, while comprehensive generally covers certain non-collision events.
Examples commonly associated with comprehensive coverage include theft, vandalism, hail, falling objects and some animal-related damage, subject to the specific policy. Both coverages often include a deductible.
Whether to carry them can depend on your vehicle’s value, loan or lease requirements, the cost of coverage and how much loss you could absorb yourself. Compare the premium and deductible with the vehicle’s current value before deciding.
Educational information only. Insurance products, requirements and policy terms vary. Verify current details with the insurer, a licensed professional or your state regulator.