What is the difference between collision coverage and comprehensive coverage?

Collision coverage and comprehensive coverage serve distinct purposes regarding vehicle insurance. Collision coverage specifically addresses damage to your vehicle resulting from a collision with another vehicle or object, such as a guardrail or a tree. It is designed to cover repair costs after an accident, regardless of who is at fault.

On the other hand, comprehensive coverage is geared towards protecting against a variety of non-collision events that can lead to damage or loss of your vehicle. This includes incidents such as theft, vandalism, natural disasters, or hitting an animal. It encompasses scenarios that are outside of a typical collision, hence the term "comprehensive."

Thus, the statement that collision covers accidents while comprehensive covers non-collision events accurately captures the fundamental differences between these two types of coverage. Understanding this distinction helps policyholders choose the right coverage based on their specific needs and risks associated with their vehicles.