When it comes to car insurance, understanding the different types of coverage can be confusing — especially when it comes to comprehensive and collision coverage. At Premier Insurance Group, LLC, we believe in empowering our clients with the knowledge they need to make smart insurance decisions. Let’s break down the key differences between these two essential types of auto insurance.

What is Collision Coverage?

Collision coverage helps pay for damage to your vehicle when you’re involved in an accident — regardless of who is at fault.

Examples of when collision coverage applies:

• You hit another vehicle

• Another vehicle hits you

• You collide with an object (like a tree, fence, or guardrail)

• You roll your vehicle over in an accident

Important to know: Collision coverage only covers damage to your car, not the other driver’s vehicle or any medical expenses. It’s especially important if your car is newer or financed, as many lenders require it.

What is Comprehensive Coverage?

Comprehensive coverage, often called “other than collision” coverage, helps pay for damage to your car caused by events that are not related to a crash.

Examples of what comprehensive coverage includes:

• Theft or vandalism

• Fire or explosions

• Falling objects (like tree branches)

• Natural disasters (hail, flooding, windstorms)

• Hitting an animal (like a deer)

• Glass breakage (like a cracked windshield)

Comprehensive coverage protects your vehicle from unexpected, non-collision incidents that are often out of your control.

Do You Need Both Coverages?

While neither is legally required by most states, many lenders or leasing companies require both if your vehicle is financed. Even if you own your car outright, both coverages can offer peace of mind and significant financial protection.

Ask yourself:

• Could I afford to replace or repair my vehicle out-of-pocket if it’s stolen, vandalized, or totaled?
• Do I live in an area with a higher risk of natural disasters or animal-related accidents?

If the answer is no, having both coverages might be a smart choice.

In simple terms:

Collision = accidents
Comprehensive = everything else (except liability and mechanical issues)

At Premier Insurance Group, LLC, we’re here to help you choose the right coverage for your needs and budget. As an independent agency, we work with multiple top-rated insurance companies to find the best fit for you.

Have Questions? We’re Here to Help!
Contact our experienced agents today for a personalized quote or to review your current policy.

Call us: +1-703-880-8800
DM us: +1 (703) 468 1012
Visit us: 3949 Pender Dr, Suite 220, Fairfax, VA 22030