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did you know?

quiz time!

comprehensive and collision insurance

Car insurance is only slightly less complex than particle physics. You probably have a general understanding of comprehensive and collision coverages, which protect your car or truck. But do you really know what they are and what types of damage they cover? Really?

There's only one way to find out. Take our quiz to see if your comp and collision insurance knowledge is where it needs to be.

True or false?

Easy format, tricky topic. For one thing, "comprehensive" isn't really all that comprehensive, and "collisions" are sometimes covered under your "comprehensive" insurance, not your collision coverage. But enough small talk. Let's dig in.

1. Adding comp and collision gives you full coverage.

False. When people use the expression "full coverage," they typically mean "car insurance coverage for everything." Comprehensive and collision insurance can help pay for repairs to your vehicle, but having them on your policy doesn't give you "full coverage" for things like medical bills, lost wages, rental car reimbursement, and any damage you cause.


2. You just crashed … into a guardrail. But it wasn't your fault! You were driving safely and hit a patch of black ice. At least comprehensive coverage will pay for the repairs.

False. Though the accident was weather-related, collision is the coverage that comes into play in this situation. Collision coverage protects you because your vehicle hit a stationary object — regardless of contributing factors.


3. You're driving along, minding your own business, when a deer comes out of nowhere. Despite your catlike reflexes, you can't avoid an accident. And to top it off, the deer left your front end in shambles. Don't worry, your comprehensive coverage considered this possibility and will help you get back on the road in no time.

True. Comprehensive coverage can help pay for car repairs after a collision with an animal. (Yes, we used the word "collision" when discussing comprehensive. Pardon the confusion.)


4. The accident with the deer did a lot of damage to your car, and it'll take a week to repair it. In the meantime, you need a rental car. Since it was a deer you collided with, your comprehensive coverage will kick in to pay for your rental car.

False. Comprehensive coverage doesn't cover rental cars — you'll need rental car coverage for that.


5. You swerve to avoid hitting the neighbor's dog in the middle of the street. The dog gets away unscathed (phew), but you and your car end up jumping the curb, crashing through your neighbor's fence, and landing in the shallow end of the swimming pool. Among other coverage considerations, your collision coverage will be there to help get your car back on the road.

True. Your collision coverage will cover repairs to your car (or the entire value of the car, if it's totaled). Other coverages at play: property damage liability (for the fence and pool), medical payments coverage (if you're injured beyond just your ego), or personal injury protection coverage (if you live in a no-fault state).


6. One rainy afternoon you hydroplane and, alas, hit a tree. Your collision coverage will come to the rescue!

True. Collision coverage comes into play here, puddle or no puddle. If a driver hits a stationary object, regardless of contributing factors, collision is the coverage that applies.


7. You saunter out to your car after a fun-filled (or not) day of shopping to find your windows smashed in. Oh no! You frantically search your glove box for the $100 in cash and new tablet you stashed in there. Both are gone. At least comprehensive coverage will kick in to help.

True in part. Comprehensive will cover the glass and entry damage resulting from the theft. Your personal property (tablet and money), on the other hand, would be covered under your homeowners/renters insurance.


8. During a storm, a tree is knocked down by ferocious wind and falls onto your car. The entire roof is dented. Since the tree fell onto your car, your comprehensive coverage can help you get the dent fixed.

True. Falling objects come under the umbrella of comprehensive coverage.


9. All collisions are covered under collision coverage.

False. If you hit an object, collision coverage can help. But if an object (tree, animal, or flying cabbage) collides with you, it might be covered by comprehensive coverage.


10. You can save on your premium by lowering your comprehensive and collision limits.

False. There are no limits, per se. Your limit is really the actual cash value (ACV) of the insured car you're driving.


How’d you do?

You can't be faulted for assuming "comprehensive" means "everything" and "collision" means "all collisions," but here's hoping this little quiz gave you a better idea of which coverage you need for which incidents.

Oh, and thanks for taking our car insurance quiz. You're our kind of people.

Related links

Coverage Counselor®
Not sure how much comprehensive and collision coverage you need? Spend a few minutes on the virtual couch of Esurance's online Coverage Counselor.

Comprehensive and collision: the nuts and bolts
If you failed this quiz, fear not. Read our coverage overview to get a better idea of how comp and collision combine to protect your car.

Myth: comprehensive covers everything
As you (hopefully) learned above, comprehensive isn't necessarily all that comprehensive.