Collision Insurance covers damage to your vehicle in the event of a covered accident involving a collision with another vehicle. Comprehensive car insurance pays for damage to your vehicle caused by covered events such as theft, vandalism or hail, which are not collision-related.

Do you need comprehensive insurance for full coverage?

If you lease or finance your vehicle, your lender may require you to carry comprehensive coverage until your loan is paid off. If you own your vehicle outright, comprehensive coverage is optional on your car insurance policy.

What’s the difference between full coverage and comprehensive coverage?

Full Coverage and Comprehensive Coverage Are Different Policies. Full coverage and comprehensive coverage are two different things: Full Coverage: Full coverage auto insurance is a plan that includes liability insurance, collision coverage, and comprehensive coverage.

What’s the difference between collision and comprehensive auto insurance?

Collision and comprehensive auto insurance are two coverages that will protect your vehicle if you get into an accident. Collision covers you in an accident with a car or object, but comprehensive protects you from damage that doesn’t involve colliding with a vehicle or object.

What makes up full coverage on auto insurance?

Full Coverage: Full coverage auto insurance is a plan that includes liability insurance, collision coverage, and comprehensive coverage. You’re legally required to have liability insurance to drive. Collision coverage is optional and covers damage to your own vehicle if you’re involved in a collision.

What kind of damage is covered by comprehensive insurance?

Comprehensive coverage does not pay for damages triggered by a collision, thus it is also known by the name “other than collision.” Natural disasters covered by comprehensive coverage includes damages caused by hurricanes, tornadoes, wind storms, and flood waters.