Collision coverage helps pay for damage to your vehicle (repair or replacement costs), up to its actual cash value minus the deductible — not the original price you paid — in the event you are in an accident involving another vehicle or a stationary object. Comprehensive coverage helps pay for damage or destruction resulting from incidents that do not involve other drivers or vehicles. Examples include damage from storms, falling objects, theft or vandalism, broken windows or windshields, and hitting an animal (such as a deer) while driving. Uninsured/underinsured motorist coverage helps take care of your medical bills (and those of your passengers) and related expenses when the driver who caused the accident does not have insurance or has inadequate coverage. Nationwide, 14% of drivers are uninsured. Source: Insurance Information Institute, 2023 (2022 data, most current available) 4 5 6
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