Understanding Which Auto Insurance Covers Vehicle Damage

Collision Insurance

Collision coverage pays for damage to your own vehicle caused by a crash with another car or object, regardless of who is at fault.

Comprehensive Insurance

Comprehensive coverage handles non‑collision damage such as theft, vandalism, fire, natural disasters, or hitting an animal.

Liability Insurance

Liability covers damage you cause to other people's property or injuries to others, but it does not pay for repairs to your own car.

Uninsured/Underinsured Motorist Coverage

If you're hit by a driver without sufficient insurance, this coverage can pay for your vehicle's repair costs when the at‑fault driver's policy is inadequate.

Choosing the Right Coverage

Consider the value of your car, your driving environment, and state minimum requirements. Newer or high‑value vehicles typically benefit from both collision and comprehensive, while older cars may rely on liability alone.