Known also as full coverage auto insurance, comprehensive coverage can
help pay for damage to your car from vandalism, weather events and accidents involving animals.
It does
not pay for damage to your car, but simply protects you from personal financial responsibility for the other one of something like this happens to you.
You can purchase additional coverage to
pay for damage to your car if hit by an uninsured motorist, but many people instead just purchase collision and comprehensive.
Also, state minimum car insurance does not include collision coverage,
which pays for damage to your car in an accident, or comprehensive coverage, which protects your car from theft, flooding and other damage not caused by an accident.
However, many drivers carry collision and comprehensive coverage instead,
which pays for damage to your car in this situation, as well as other instances where your car could be damaged, such as a hailstorm or a collision with an animal.
Collision coverage
pays for damage to your car resulting from a collision with another car, an object, such as a tree or telephone pole, or as a result of flipping over (note that collisions with deer are covered under comprehensive).
Collision pays for the repair of your car in a collision or rollover while comprehensive coverage
pays for the damage to your car due to an «Act of God» such as a storm, tornado, hail damage or theft.
That's because if you get into an accident with an uninsured or under - insured motorist, you could be
stuck paying for the damage to your car, lost wages beyond what is covered by your own first party no - fault insurance, and other damages.
Collision Insurance does not provide coverage for injuries, though it does
pay for damages to your car in a way that is similar to how Property Liability Insurance covers damages that you have caused to another person's car.
Their insurance had to
pay for the damages to my car.