Life is complicated, insurance doesn't have to be.
Read time: 4 minutes
When you hear someone use the term “comp and collision,” they
are referring to two separate insurance coverages available for
personal auto insurance policies: Comprehensive
coverage (also referred to as Other Than Collision coverage) and
What is Comprehensive insurance?
Comprehensive insurance helps pay for damages to
your vehicle caused by factors other than an accidental collision,
such as fire, vandalism, weather (hail, flooding, wind,
lightning, etc.), theft, impact with an animal, etc.
(Exclusions may apply.)
are some examples of when Comprehensive insurance may
Comprehensive insurance coverage does not cover your
vehicle from all types of damage. This is a common misconception.
For example, Comprehensive insurance does not
cover damages resulting from:
These damages are typically covered by Collision insurance.
(Exclusions may apply.)
Making the Auto Insurance Switch
What is Collision insurance coverage?
Collision insurance helps cover the cost of loss or
damage to your vehicle when it is involved in an accidental
collision with another vehicle or object. (Exclusions may apply.)
Collision insurance coverage is exactly what it sounds like.
It covers you when your vehicle collides with an object, or another
car. It generally provides coverage for situations where you are the
one being hit or where you accidentally hit another vehicle.
Even situations where your car is parked and hit by another
vehicle or by an object on the ground is typically covered by
You Just Got Into A Car Accident. Now What?
What is the biggest difference between Comprehensive
and Collision insurance?
The main difference between Collision insurance and
Comprehensive insurance are the situations that each covers.
Comprehensive insurance covers your vehicle for
situations outside of an accidental collision such as,
damage from weather (hail, flood, wind, lightning, etc.),
vandalism, theft, fire, and even damage caused by an
Collision insurance covers a loss if
your vehicle hits an object or another vehicle, or if
another vehicle hits your vehicle.
What do I
This will depend on a few factors. These are
great topics to discuss with your local
independent Auto-Owners agent. They are experts trained in
helping you find the best coverage.
A few things to consider when deciding if you want
Comprehensive, Collision or both coverages on your personal auto
insurance policy include:
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How do I know what personal auto insurance policy is
best for me?
Now that you know more about the coverages available, you may
be wondering what policy will be best for you. If you’re shopping
for personal auto insurance, you likely already know that there are
a lot of options out there. Most auto insurance policies offer
similar coverages and options.
The areas where these products really stand out are the
companies behind them. So, once you determine what coverages you
want, do some research on the insurance companies that offer them.
When comparing auto insurance companies, here are some
things to consider:
So, if you still find yourself asking if you need
Comprehensive and/or Collision insurance, it’s a good time to call
your local, independent
insurance agent to help you navigate all of your personal auto
insurance coverage options.
*Products referenced may not be
approved/available in all states. Limitations and conditions
may apply. Premium will be based on benefits chosen and
policy rates available at time of application.
Disclaimer: This article is not expert advice. The
analysis of coverage is in general terms and is superseded
in all respects by the Insuring Agreements, Endorsements,
Exclusions, Terms and Conditions of the Policy. Some of the
coverage mentioned in this material may not be applicable in
all states or may have to be modified to conform to
applicable state law. Some coverages may have been
eliminated or modified since the publishing of this
material. Discounts may not be available in all states.
Limitations and conditions may apply. Premiums will be based on
benefits chosen. Please check with your local Independent
Auto-Owners Insurance Agent for details."
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