What is the difference between "collision" and "comprehensive" coverage in auto insurance?

The correct answer highlights that collision coverage specifically pays for damages resulting from an accident when your vehicle collides with another object or vehicle, regardless of fault. This means that if you collide with another car, a tree, or a guardrail, the costs of repairs will be covered under collision insurance.

In contrast, comprehensive coverage is designed to protect against non-collision incidents. This means it covers a range of events that could damage your vehicle but do not involve a collision. Examples include theft, fire, vandalism, weather events like hail or flooding, and animal strikes. So when you consider these definitions, it becomes clear how collision and comprehensive cover distinct scenarios and why the correct answer precisely states their differences.