What is better to have, comprehensive or collision?

Is it better to have comprehensive or collision? I don't really want to pay for both.

Answer provided by
Emily Maracle
Answered on Jul 15, 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.
“To determine what coverage is better for you, you’ll need to look at your needs.
While both comprehensive insurance and collision insurance cover damage to your vehicle, the difference lies in how the damage is caused.
Comprehensive insurance covers damage done to your vehicle by a covered peril, like:
  • theft
  • vandalism
  • damage from natural disasters
  • hitting an animal
Collision insurance covers damage done to your vehicle from a collision with another vehicle or object.
If you’re worried about damage from a collision without another vehicle or object, you should carry collision insurance. If you’re concerned about non-accident-related damage, you’ll want to add comprehensive insurance to your policy.
Most carriers don’t allow you to carry collision without comprehensive.
While it is possible to carry comprehensive insurance without collision, you’ll likely have to add comprehensive insurance if you want collision.”

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