Collision coverage is designed to cover the cost of repairs or replacement if your vehicle is damaged in a collision, regardless of fault. It typically applies when your vehicle collides with another vehicle or object. Collision coverage helps pay for the repairs to your own vehicle, minus the deductible you've chosen. 

Comprehensive coverage, also known as "other than collision" coverage, provides protection for damage to your vehicle caused by events other than a collision. This includes damage from theft, vandalism, fire, natural disasters, falling objects, and collisions with animals. Comprehensive coverage also typically covers the cost of repairs or replacement if your vehicle is stolen. As with collision coverage, you'll need to pay a deductible before your insurance coverage kicks in. 

It's important to note that every policy is different, and while collision and comprehensive coverage are often purchased together and may even be required if you loan or lease a car, they are both optional. Reach out to your insurance agent today to find out more about what your policy covers. 

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