Understanding Auto Insurance Terms: What’s the Difference Between Comprehensive and Collision? 

Many types of auto insurance coverage are available to Georgia drivers. Two of the most important options are comprehensive and collision coverage.

What Is Comprehensive Coverage?

Comprehensive coverage can help pay for damage to your vehicle caused by noncollision events. This can include things like:

• Fire or explosions
• Falling objects
• Animal strikes (such as hitting a deer)
• Severe weather
• Theft or vandalism

Comprehensive coverage is optional in Georgia, but it may be required by your lender if you have a car loan or lease. It’s a valuable option for drivers who want financial protection from unpredictable risks that aren’t related to driving accidents.

What Is Collision Coverage?

Collision coverage may help pay for damage to your car if you’re involved in an accident, regardless of who is at fault. This typically includes:

• Collisions with other vehicles
• Single-car accidents (like hitting a guardrail or tree)
• Damage from potholes

Collision coverage is also optional in Georgia unless required by your lender. However, it can be valuable for drivers who want financial support after an accident, regardless of whether it’s a minor fender-bender or a more serious crash.

When Do You Need Both?

You may need both comprehensive and collision coverage if you own a newer model or a vehicle with a higher value, live in an area with frequent storms or theft or want financial support for both noncollision damage and accident-related repairs. Carrying them together can help you comply with lender requirements and address more types of risks, so that you’re not left covering large repair bills on your own.

Learn More

Reach out to Fase Insurance Group for more information on auto insurance. Our agents can discuss coverage options and help you secure a policy. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.