Comprehensive Vs. Collision Auto Insurance: Here’s What You Need To Know

You may have heard the terms collision coverage and comprehensive coverage. Collision and comprehensive coverage are important supplements to liability insurance. Do you know what they mean and when are they used? In this article we’ll dive into what they mean and when are ideal examples to use each!

Comprehensive Claim

Collision Coverage

Collision coverage pays for your vehicle’s damage if you hit an object or another car.

Comprehensive Coverage

Comprehensive insurance pays for non-crash damage, such as weather and fire damage. It also
reimburses you for car theft and damage from collisions with animals.

Examples Of When You Could Make A Collision Claim

  • Your car slides on ice and hits a guardrail.
  • You swerve to avoid a squirrel and hit a pole.
  • Someone dents your car and drives off.
Car Wreck

Examples Of When You Could Make A Comprehensive Claim

  • You hit a deer and dent your fender.
  • You need a windshield.
  • A fire in your garage damages your car.
  • A Hailstorm damages your car.
  • A Thief steals your car and it’s not recovered.
Broken Windshield

Do comprehensive and collision claims both affect me …..YES.


Please note both go on your record anytime you make a claim and both comp and collision are claims.


Most carriers do a 5-7 year look back on claim history.

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