Collision coverage in Michigan reimburses you for damage to your car from a collision. The crash can happen with another vehicle or object, like a tree or guardrail. Collision coverage does not reimburse you for mechanical failure and normal wear and tear.
Comprehensive coverage protects you against theft and vehicle damage from something other than a collision, like hail, fire, weather, and other natural occurrences. Vandalism is also covered under comprehensive coverage as is glass breakage and collision with an animal.