Collision/Comprehensive Coverage
This coverage pays for damage to your automobile.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive coverage insures you against anything other than collision damage, like physical damage by events like fire, theft, a flood, or vandalism.
Collision and comprehensive coverage usually include a deductible, which can range from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage exceeding the deductible you selected. The higher the deductible, the lower the premium.