Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision insurance coverage. Comprehensive insurance provides coverage for most other direct physical damage losses you could incur. For example, damage to your car from a hailstorm will be covered under your comprehensive insurance coverage. It is important to know the differences between the collision and comprehensive insurance coverages for a couple of reasons. * In order to make an informed purchasing decision about these optionalinsurance coverages, you need to know the difference between them. * The deductibles under the collision and comprehensive insurance coverages are often different in amount.