Comprehensive and Collision

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This is an automobile insurance term. It is insurance that in general covers damage to your own vehicle, or theft of your vehicle. While the two coverages are often bought together to avoid gaps in coverage, it is usually possible to buy them separately. Collision coverage by itself typically only covers damage to your vehicle from a collision with another vehicle (moving or standing still) or with another object that is fixed in place, such as a telephone pole. Comprehensive coverage typically covers damage to the car which does not result from a collision with another car or fixed object. This would usually include damage from hitting a bird or animal, glass breakage, fire, flood, hail, earthquake or theft of the car. Not that in spite of being called "comprehensive," certain exclusions may still apply, and coverage offered by different insurance companies may vary. Compare this coverage with liability insurance which does not cover your own property but covers you for damage you might cause to someone else's property or injury you might cause to someone else. Unlike liability claims, a deductible is usually required by the insurance company for comprehensive and collision claims.