Understanding Comprehensive and Collision Coverage

Auto Insurance Full Coverage - Comprehensive and Collision

Somewhere along the way people started asking for “full coverage.” Usually this coverage refers to what an auto insurance policy refers to as collision and other than collision (comprehensive). These are pretty straight forward so we will take a look at these coverage options together.

Collision is defined as impact with another vehicle or object. Pretty straight forward, but it also includes upset, which is a roll-over accident. One piece as we will see in a second is that collision with an animal is actually covered in the other than collision section of the policy.

 Common other than collision (comprehensive) coverages

Other than collision is about the most comprehensive coverage package that is found in any insurance policy. It specifically states there are things covered, but then leaves the door open to a lot more. Things that are specifically covered under other than collision (comprehensive) included:

  1. Missiles or falling objects
  2. Fire
  3. Theft or larceny
  4. Explosion or earthquake
  5. Windstorm
  6. Hail, water, or flood
  7. Malicious mischief or vandalism
  8. Riot or civil commotion
  9. Contact with a bird or animal
  10. Glass breakage*

Again, not an all-inclusive list of what the comprehensive policy might cover, but rather things that are specifically covered under Other than collision (comprehensive)

* A comment on glass breakage. Today most companies make this an optional coverage and charge an additional premium for it. In the state of Arizona if glass coverage is purchased it comes with no deductible applied in most cases. Also if the glass breakage is cause by a collision in most cases you can elect to have it considered a loss covered by collision.

If it’s covered why split things into collision or other than collision? Well if you look at the other than collision vs collision in most cases there is not a lot of things that you can do to prevent the other than collision losses. On the other hand, collision is very much in your control. So the losses are treated differently when it comes to how the companies determine what your rate will be. It’s not to say that an other than collision loss with never have an impact on your rate, but it’s likely to have a LOT LESS of an impact.

A final thought on collision and other than collision coverage (comprehensive), these coverage options are subject to a deductible. The higher the deductible, the lower the cost, and the lower the deductible the higher the cost. What is a deductible? In the event of an accident the deductible is the part of the claim that you will be responsible for paying.


This is a general explanation of coverage and different companies may treat these coverage options differently for information on exactly how your policy will respond please refer to your policy declarations page as well as the terms and conditions of your insurance policy.

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Gila Insurance Group LLC

805 W Court St. S
Safford, AZ 85546

Toll Free - (877) 784-6787
Local - (928) 428-6440
Fax - (888) 634-6384

About Gila Insurance Group

Customers choose Gila Insurance Group LLC as their insurance agent because they like being able to fill out one application online and then getting multiple quote from highly rated insurance companies. They like the friendly staff that takes the time to help them understand what they are purchasing. They like that the staff is trying to get the best coverage for them at an affordable price, and they LOVE that once they are customers Gila Insurance Group monitors their rates. If rates start to get out of hand they love that they have someone looking out for them to see if they can find a better option!

While Gila Insurance Group LLC serves Safford, Thatcher, Pima and all of Southern Arizona, they are also licensed in 32 states and serve clients from all over Arizona, California and this great Nation. Gila offers a variety of products including auto insurance, homeowners insurance, RV insurance, and business insurance. However, Gila has several specialties which include insuring investment properties such as rental properties, and fix and flip projects and Manufactured and Mobile homes.