Catherine C Ford, Writer
@catherine_ford_1
No, comprehensive does not cover collisions with another vehicle. Comprehensive insurance and collision insurance are two separate types of car insurance that cover different kinds of damage, though they are often purchased together, especially for financed cars.
Comprehensive insurance covers damage to your vehicle caused by something other than a collision with another vehicle or a stationary object. This includes theft, vandalism, and damage from natural disasters. Collision insurance, on the other hand, covers any damage to your vehicle from hitting another car or an object like a tree or guardrail.
The only collisions that comprehensive insurance covers are collisions with animals. If you hit an animal with your car, the resulting damage can be covered by comprehensive insurance. However, if an animal causes one car to hit another by running across the road, that is not covered by comprehensive insurance. Collision insurance would cover the damage in that scenario since it is an accident between two vehicles.
What Comprehensive Insurance Does and Does Not Cover
| Type of Loss or Damage | Covered? |
| Theft | Yes |
| Vandalism | Yes |
| Natural disasters | Yes |
| Animal collisions | Yes |
| Collision with another car | No |
| Collision with a stationary object | No |
| Single-car accident | No |
| Hitting road obstructions | No |
To learn more, check out WalletHub’s guides on comprehensive insurance and collision insurance.
People also ask
Is comprehensive and collision insurance the same as full coverage?
No, comprehensive and collision insurance are not the same as full coverage. Full coverage typically includes comprehensive insurance and collision insurance, but it also has any state-mandated types of insurance, such as liability insurance, personal injury protection (PIP) and uninsured motorist coverage.
Differences Between Full Coverage and Comprehensive/Collision Insurance
| Feature | Full Coverage | Comprehensive and Collision |
| Required by State Law? | Never ... | Never |
What does comprehensive insurance cover?
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
What Comprehensive Insurance Covers
- Theft
- Vandalism
- Floods
- Fires (not related to a collision)
- Natural disasters
- Animal damage (including hitting a deer or...
Is it better to have comprehensive or collision?
It is better to have comprehensive insurance than collision insurance, if you need to choose between the two. Comprehensive coverage is inexpensive, can be purchased alone, and pays for damage due to events beyond your control, such as vandalism, theft, natural disasters or run-ins with animals.
On the other hand, drivers with a history of accidents or moving violations and drivers who live in high traffic areas should consider investing in collision insurance. Given that collision...
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