Understanding Coverage: Part 2 — Collision and Comprehensive

Struck by another vehicle? Hail damages your windshield? What might cover the cost: collision or 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.

Your insurance needs may be unique, so it's always wise to speak with an insurance specialist to ensure you're adequately protected. Before you hit the road, ask yourself: Am I fully covered?

References
  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.

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