Consumers have the option of making their health insurance the primary coverage for injuries sustained in automobile accidents. This is a logical option for those with exceptional health coverage as their automobile insurance premium would decrease. However, this choice should only be made after scrutinizing the underlying health insurance to ensure that it adequately covers automobile accident related injuries. The last coverage choices, comprehensive and collision coverage, are not required by law. Collision coverage pays, after the deductible, for vehicle damage caused by collision with other vehicles, fixed objects, or projectiles.
Comprehensive coverage pays for other losses such as theft and fire.