Knowing the differences of these two types and what they cover is important when purchasing your auto an insurance to ensure that you have adequate protection should you ever be involved in an accident.

1. WHAT IS THE DIFFERENCES
BETWEEN COLLISION AND
COMPREHENSIVE AUTO
INSURANCE?
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2. Besides liability
coverage, collision and
comprehensive auto
insurance are the most
types common car
insurance.

3. Knowing the differences of these
two types and what they cover is
important when purchasing
your auto an insurance to
ensure that you have adequate
protection should you ever be
involved in an accident.

4. Collision Insurance refers to
coverage for your car if it is
involved in a crash with another
vehicle or stationary object.
COLLISION INSURANCE
If It Hits or Is Hit

5. The types of damage that may
be involved are such as crashing
into another vehicle, being hit
by other vehicles, or crashing
into unmoving objects such as
lamp posts and traffic lights.
COLLISION INSURANCE
continued

6. Most accidents fall under this
category of insurance policy
which will cover the costs for
repairs and/or replacements of
parts.
COLLISION INSURANCE
continued

7. Also known as “Other Than
Collision”, this insurance policy
covers almost everything else
that is not an auto accident.
COMPREHENSIVE INSURANCE
Everything Else

8. While not as common as Collision
Insurance, it covers things that
vehicle owners sometimes may least
expect such as vandalism, theft, fire,
natural disasters, damage from
impact with animals and even
damages from branches or falling
trees.
COMPREHENSIVE INSURANCE
continued

9. What sets both insurance
policies apart yet makes
both of them just as
important is to a certain
extent, the control of the
driver.
THE DIFFERENCES

10. Collisions and crashes are mostly
avoidable if all parties are to drive
safely and know the full extent of
their driving capabilities. However
this is unlikely as a person is not able
to control the acts of another driver,
or may sometimes swerve to avoid an
object but crashes into a tree. A
collision insurance policy would
cover for this.
THE DIFFERENCES

11. Falling trees, fires and other natural
disasters however are completely out
of a driver’s control. These are out of
a driver’s control and a
comprehensive insurance policy
would help to pay for damages to the
vehicle.
THE DIFFERENCES

12. Most insurance companies
will have offers and/or
discounts if both collision
and comprehensive policies
are purchased together.
BEST OF BOTH WORLDS

13. Having adequate protection for the
vehicle will help to soften the
financial burden that a driver has to
bear should anything happen. While
one may live in a relatively safe area,
accidents can happen anywhere at
any time and it is always better to be
safe than to be sorry.
BEST OF BOTH WORLDS

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