Difference Between Collision And Comprehensive Automotive Insurance?

Liability insurance, which usually covers the cost of repairing your damage, is usually your government’s minimum auto insurance requirement; however, if you are still paying for your vehicle, your financier may want to buy your car insurance coverage until you own the vehicle.

Insurance plans other than minimum liability insurance

There are many different types of premium car insurance, and collision auto insurance and wider auto insurance are often the most popular supplemental vehicle insurance. But what is the difference between collision auto insurance and comprehensive auto insurance? Don’t they both cover everything?

Collision auto insurance and comprehensive auto insurance are actually quite different.

Insurance coverage

Collision Vehicle Automotive Insurance is auto insurance that will cover the cost of repairing the damage to your vehicle. If your vehicle’s repairs exceed the value of your vehicle, the auto insurance company will treat your vehicle as a total loss, at which point the vehicle’s current and actual cash value will be compensated.

Insurance premium

Collision Auto Insurance is generally the most expensive of the additional auto insurance options, which is understandable because the automobile insurance company pays for damages from its own policyholder.

Coverage scope

On the other hand, comprehensive auto insurance is an insurance policy that covers the cost of repairing the damage to your vehicle. These damages can be caused by natural disasters, theft and vandalism, fire and animal related incidents (think of your deer jumping on a deer). Comprehensive auto insurance will cover the total cost of your vehicle before the accident.


Although most people opt to buy only liability insurance as this is usually the only insurance required, consider paying extra for this additional vehicle insurance. You never know when you or an animal will damage your vehicle.