quiz time: comprehensive and collision coverage

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?

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.

True of False?False.

  1. 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.

True of False?False.

  1. 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 of False?True.

  1. 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.

True of False?False.

  1. 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 of False?True.

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

True of False?True.

  1. 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 of False?True in part.

  1. 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 of False?True.

  1. All collisions are covered under collision coverage.

True of False?False.

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

True of False?False.

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.

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.

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