What Is The Difference Between Collision And Comprehensive Car Insurance? 
Collision coverage pays for loss or damage from collision of the insured car with another vehicle or object . This includes upset of the insured car . This coverage applies regardless of who is at fault . Comprehensive - otherwise known as `` Other than Collision provide coverage for loss from : Missiles or Falling Objects , Fire , Theft or Larceny , Explosion or Earthquake , Windstorm , Hail , Water or Flood , Malicious Mischief or Vandalism , Riot or Civil Commotion , Contact with Bird or Animal , and Breakage of Glass . Collision and Comprehensive coverage typically must be purchased together . Remember every policy is different , contact your local agent to find out what is offered in your area with specific companies . 