Insurers provide access to collision and comprehensive coverage as a package. Each insurance type offers coverage for different accidents and incidents.
Collision insurance may cover the following:
Hitting another vehicle
Hitting a stationary object like a telephone pole, road sign or building
Rollover accident
Comprehensive insurance may cover for the following:
Hitting an animal or having an animal run into your vehicle
Natural disasters such as tornadoes and earthquakes
Fire
Falling objects such as ice, branches and trees