Collision coverage will pay for repairs for the car as well as replacement costs, in the event the car is totaled after crashing into another car; crashing into an object; or rolling over.

Comprehensive coverage will help pay for repairs to the damaged car or replacement of the car after it’s been damaged by events that are not accident-related, such as:

Fire • Theft • Vandalism • Falling objects, such as tree limbs • Floods • Hail • Hitting or being hit by an animal • Natural disasters — hurricanes, tornadoes, earthquakes.

In general, comprehensive auto insurance pays for damages when people have little or no control over the incident. Collision takes care of damages that occur when a driver has more control over the situation.