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All typesCollision and comprehensive both protect your own car, but they cover very different events. Here is how to tell them apart and decide if U need both.
What collision covers
Collision pays to repair or replace your car when it hits, or is hit by, another vehicle or object. Think of hitting a guardrail, backing into a pole, or a crash with another car. It applies whether or not the crash was your fault.
What comprehensive covers
Comprehensive covers almost everything that is not a collision. Theft, vandalism, fire, floods, hail, falling branches, and hitting an animal all sit here. It is the cover for the things you cannot steer around.
Side by side
| Event | Collision | Comprehensive |
|---|---|---|
| Hit another car | Yes | No |
| Hit a tree or pole | Yes | No |
| Car stolen | No | Yes |
| Hail or flood | No | Yes |
| Hit a deer | No | Yes |
| Vandalism | No | Yes |
Do you need both
If your car is financed or leased, your lender almost always requires both. If you own an older car outright, compare the yearly premium against the car's value. When the cost of cover approaches what the car would pay out, dropping one or both can make sense.
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