What is the primary difference between collision and comprehensive coverage in auto insurance?

Collision coverage is designed specifically to cover damages to your vehicle resulting from a collision with another vehicle or object, regardless of fault. This type of coverage applies when your car is involved in an accident where it collides with another car, a tree, a guardrail, or similar. Essentially, collision coverage addresses the financial responsibility for repairing or replacing your vehicle after such events.

On the other hand, comprehensive coverage protects against a wider range of incidents that do not involve a collision. This can include theft, vandalism, natural disasters, and other types of damages not stemming from a vehicle crash. While both types of coverage are often discussed together, they serve different purposes in protecting drivers from various risks on the road.

Thus, the primary distinction lies in what each type of coverage protects against — collision coverage is explicitly for accident-related damages, making it the correct answer in this context.