Which Personal Auto Coverage Pays for the Insured's Own Losses

Coverage that pays for the insured's own vehicle

Collision insurance pays for damage to the insured's own car caused by a crash with another vehicle or object, subject to the deductible. Comprehensive insurance covers the insured's vehicle for non‑collision events such as theft, fire, vandalism, or natural disasters.

Coverage that does not pay for the insured's own loss

Liability (bodily injury and property damage) protects the insured against claims from other parties; it does not cover damage to the insured's own car or medical expenses.

When each applies

Use collision when the loss results from a collision, regardless of fault. Use comprehensive for losses unrelated to a crash, like a fallen tree or a hailstorm. Both require the insured to pay the applicable deductible before the insurer pays the remainder.

Key differences at a glance