WalletHub, Financial Company
If your car is hit by another car in a parking lot, it is covered by collision insurance, not comprehensive insurance. But if the at-fault driver is identified and has insurance, their liability coverage should pay to repair or replace your vehicle, so you won’t need to file a collision claim.
Comprehensive insurance covers events other than a car crash, such as theft, natural disasters, and vandalism. So if your car is hit by a golf ball or a shopping cart in a parking lot, comprehensive will pay for the damage. Similarly, vandalism to a car in a parking lot will be covered by comprehensive insurance. But anything involving two cars will be covered by collision insurance.
Rich Torrenti, Member
As a retired director of a large personal lines insurance company, I have always known the the definition of comprehensive coverage ito be anything "Other than collision." It appears that Progressive defines it differently (Note: their solicitation for a quote in a reply to this question.). Progressive defines comprehsive and believes collision is "Other Than Comprehesive" and most likely will charge you with a chargeable loss, which will increase your premium. An unoccupied car that is hit it while parked is typically considered comprehenive. A garage door hitting a car parked in the garage is a collision according to Progressive and will be considered chargeable. Other insurance companies that I have recently polled consider it comprehensive without question. Make sure when you shop for auto insurance you ask the claim department for their definition of comprehensive and collision. Cite examples of the losses I mentioed above.
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