How is comprehensive insurance different from collision insurance?

Is there a difference between comprehensive and collision? Do I need both? I'm considering adding full coverage to my 2019 GMC Sierra.

Answer provided by
Emily Maracle
Answered on Jul 14, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The main difference between comprehensive insurance and collision insurance is the cause of the damage.
Comprehensive insurance covers damage done to your vehicle from covered perils. Covered perils are often:
  • collisions with animals
  • broken glass
  • theft
  • vandalism
  • natural disaster damage
Collision insurance covers damage done to your vehicle from a collision with another vehicle or object.
Both comprehensive and collision pay out regardless of fault as long as you pay your deductible.
While full coverage is both comprehensive and collision, you aren’t required to carry both. You can opt to only carry comprehensive on a policy.
However, you aren’t able to carry collision without comprehensive.
If your vehicle is financed, you may be required to carry both comprehensive and collision. If it isn’t, you can choose whether you’d like to carry both, comprehensive only, or neither.”

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