Comprehensive vs Collision Insurance
Comprehensive vs Collision Insurance
When it comes to protecting your vehicle, two common coverage types often cause confusion: Comprehensive Insurance and Collision Insurance. While both cover damage to your own car, the situations where they apply are very different. At QuoteSpeedster, we make it simple to understand the difference so you can choose the right protection.
What is Comprehensive Insurance?
Comprehensive coverage protects your vehicle against events beyond your control. These are usually “non-collision” incidents, such as:
- Theft or vandalism
- Fire or explosions
- Natural disasters like floods, hail, or storms
- Falling objects such as tree branches
- Animal-related accidents (like hitting a deer)
In short, comprehensive insurance is designed to cover those unpredictable risks that could leave you with major repair bills.
What is Collision Insurance?
Collision coverage, on the other hand, applies when your car is damaged in an accident. This includes:
- Crashes with another vehicle
- Single-car accidents, like hitting a guardrail or tree
- Damage from potholes or road obstacles
Collision insurance helps you repair or replace your car, regardless of who was at fault in the accident.
“Think of comprehensive coverage as protection from the unexpected, and collision coverage as protection from the accidents you can see coming.”
Which One Do You Need?
Many drivers benefit from having both comprehensive and collision coverage especially if their car is newer or has high value. If you only carry liability insurance, damages to your own vehicle won’t be covered at all.
The choice often comes down to your budget, your vehicle’s worth, and how much risk you’re comfortable carrying. At QuoteSpeedster, we help you compare plans and find the right balance so you can drive with confidence.