What Is Difference Between Collision And Comprehensive Auto Insurance? 
Both together form the `` physical damage/loss protection '' portion of your personal Auto Insurance policy . Collision is the more narrowly defined of the two in that it provides coverage in the event that your car is damaged as a result of coming into contact with another motor vehicle , a stationary object or a human being . Comprehensive provides coverage for most everything else , for example , theft , vandalism , fire , water , damage as a result of a falling object or contact with an animal , etc. . Both types of coverage settlements would be subject to a deductible in most cases . However , if your policy includes a Full Glass coverage option , damage to your window glass would not be subject to that deductible . 