Collision covers damage caused by accidents, whether with another vehicle, a tree or other objects, but excludes most non-collision damage. Comprehensive covers damages from falling objects, vandalism and more, excluding damages caused by a collision.
What does comprehensive coverage actually cover?
Comprehensive coverage helps pay to repair or replace your car if it’s stolen or damaged by something other than a collision. Comprehensive typically helps cover theft and damage from vandalism and natural disasters, falling objects, fire, hail, flood or animals.
Which situation would not be covered by comprehensive auto insurance?
What damage is not covered by comprehensive coverage? Comprehensive coverage does not cover damages caused by hitting another vehicle or object. These incidents are covered under collision coverage. It will also not cover normal wear and tear on your vehicle.
What is comprehensive coverage only?
Comprehensive covers damage to your car caused by accidents and disasters beyond car accidents. The average cost of comprehensive is approximately $134 per year, according to the Insurance Information Institute.