What is the difference between comprehensive and collision auto coverage?

• A. Comprehensive covers non-collision losses (theft, fire, weather); collision covers damage from collisions with other objects or vehicles
• B. Collision covers non-collision losses; comprehensive covers collisions
• C. Both cover only vehicle repair costs
• D. Only comprehensive has deductible

Answer: (A)

Comprehensive and collision cover different kinds of car damage. Comprehensive protection pays for damage to your car from events that don’t involve a crash with another vehicle or object—things like theft, fire, weather-related damage (such as hail or flood), vandalism, or broken glass. Collision protection pays for damage to your car when you’re in a crash with another vehicle or with an object, or if your car rolls over, regardless of fault. Both types typically involve a deductible, and they compensate for repairs or replacement up to the policy terms. The other options mix up which events each coverage handles or imply only one has a deductible, which isn’t accurate.