Comprehensive vs. Collision Auto Insurance
The key difference between the two is that collision coverage kicks in to repair your car from traffic accidents while comprehensive pays losses from non collision incidents like fires or theft. If you are in a traffic accident, only the collision coverage will help to pay it, not the comprehensive.
Collision will pay to repair your car even when you are at fault for an accident. The accident could be contact with another vehicle, but also you crashing into a building, guardrail, rock, or person. It generally costs more, and the deductibles is higher, than comprehensive coverage.
Comprehensive covers repairs for non-collision damage even if you are at fault. It pays for things like riots, fires, floods, hailstorms, weather, and vandalism. The deductible for comprehensive coverage is usually much smaller. It could be as low as $100. Comprehensive coverage usually covers glass and windshield damage. Comprehensive does not mean full coverage.
If you drive an expensive car, make sure you carry both comprehensive and collision coverage. Some people will tell you that if your car is worth less than $3,000, you don’t need either types of coverage. You should check what your state requires.
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