As an insurance agent, I get asked this question a lot, “What is the difference between comprehensive coverage and collision coverage on car insurance?”

Here is the answer:  Comprehensive coverage covers just about everything other than a collision type accident. For instance, if a tree falls on your car, the damage to your car is covered under your comprehensive coverage. If you drive into a tree, your car damage is covered under your collision coverage.

Here’s a visual example of collision damage:

And, of comprehensive damage:

What if you hit an animal in the road (even though technically you collided with the animal), that is covered under your comprehensive coverage. Another loss that seems to confuse is if you hit a pothole and  damage your car. That would be covered under your collision coverage (collision with a stationary object).

If you have insurance questions, call me at 507-226-8121 or email me at [email protected].

Jon

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