Call Us

Explaining the difference between collision and comprehensive car insurance coverage

Added January 30, 2018
Dairyland Insurance

When it comes to car or auto insurance, you’ve heard the terms comprehensive coverage (or comp) and collision coverage, but you’re not sure what the difference is between the two. Let’s break it down so you know what it means the next time you read your car insurance policy.

Collision coverage

Collision insurance coverage is basically what it sounds like—if you hit a physical object (e.g., car, tree, snowbank), your insurance company will cover the cost of repairs to your vehicle up to a certain limit minus your deductible amount.

Comprehensive coverage

Comprehensive insurance coverage covers damage to your vehicle caused by anything other than a collision minus your deductible amount. These types of losses are often described as “acts of God.” Some examples are:

  • Fire 
  • Flooding 
  • Vandalism
  • Cracked windshield
  • Animal accidents
  • Hail damage 

Comprehensive coverage also covers theft.

Related links:

At Dairyland, we feel strongly about your safety, and we promote that through our Defensive Driving Discount. Check out what you might be able to save today.

Also, make sure you have the coverages you need on the road. 



This document is made available by Sentry Insurance a Mutual Company and its subsidiaries and affiliates (collectively "SIAMCO") with the understanding that SIAMCO is not engaged in the practice of law, nor is it rendering legal advice. The information contained in this document is of a general nature and is not intended to address the circumstances of any particular individual or entity. Legal obligations may vary by state and locality. No one should act on the information contained in this document without legal advice from competent and licensed local professionals.