Collision and Comprehensive

On a collision course

Collision covers physical damage to your auto caused by an impact with another car or object, like:

  • Hitting a stationary object
  • Hitting a pothole, curb or other surface hazards
  • Backing into another car
  • Being hit by another car

73% of drivers purchase this coverage. (1)

A stroke of (bad) luck

Comprehensive coverage pertains to physical damage to your auto (including glass or windshield) from fire, theft or vandalism. Other instances where comprehensive coverage comes in handy include: (2)

  • Hitting or being hit by an animal
  • Falling objects
  • Flooding
  • Rocks, gravel or other road debris chipping your windshield - the most common type of claim (3)

78% of US. drivers choose comprehensive coverage. (1)

While each coverage is valuable in its own way, together collision and comprehensive keep your vehicle protected in most situations.

  1. Facts + Statistics: Auto Insurance, Insurance Information Institute, 2015.
  2. Understanding Collision and Comprehensive Insurance, NerdWallet, 2017.
  3. What Is the Most Common Car Insurance Claim? The Balance, 2016.

Unlike liability insurance, collision and comprehensive coverage (also known as “other than collision”) isn’t required by law, though you may need to carry it if your car is leased or financed.1 Despite it not being mandatory, there are several reasons why it’s a worthwhile addition to your auto insurance policy.

Struck by another vehicle? Hail damages to your windshield? Comprehensive vs. collision – which one will cover the cost? It depends, as they each cover distinct losses.

While collision can help pay for car damage from colliding with another vehicle or stationary object like a fence or pole, comprehensive has you covered in cases outside of a typical accident. Damage to your car from vandalism, theft, flooding, fire, falling objects, hitting an animal, or needing window or windshield replacement are all recognized claims under comprehensive coverage.

Depending on your state, you can consider purchasing several optional coverages beyond basic liability protection, but collision and comprehensive are the most common.1 The main reason: they help repair and replace damage to your car in a wide variety of scenarios. As an added benefit, you can file a claim for property damage regardless of fault when in an accident with another driver.1

Your insurance needs may be unique, so it’s always wise to speak with an Amica insurance specialist at 833-513-3881 to ensure you’re adequately protected. Before you hit the road, ask yourself: am I fully covered?

Watch Amica’s “Auto Insurance: Collision and Other Than Collision” to learn more.