{"id":320851,"date":"2025-11-11T13:58:25","date_gmt":"2025-11-11T18:58:25","guid":{"rendered":"https:\/\/www.reviews.com\/?p=131639"},"modified":"2025-11-11T13:58:26","modified_gmt":"2025-11-11T18:58:26","slug":"comprehensive-collision-insurance","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/comprehensive-collision-insurance\/","title":{"rendered":"Comprehensive and Collision Insurance Explained"},"content":{"rendered":"\n\n\n<p>Car insurance consists of several different policies. Two of the most popular policies are collision coverage and comprehensive coverage. Collision coverage pays for accident-related vehicle damage, and comprehensive coverage pays for damage caused by incidents other than an accident. Industry sources note that these coverages respond to different loss drivers: collision is most affected by crash repair costs and vehicle technology, while comprehensive is driven by non\u2011crash perils like severe weather, theft and vandalism (<a href=\"https:\/\/www.cccis.com\">CCC Crash Course 2024<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-is-comprehensive-insurance\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<p>Almost every <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">car insurance company<\/a> offers both types of optional coverage. When you compare quotes, look beyond price to options that can materially change how comprehensive\/collision work for you\u2014such as glass-only deductibles, OEM parts endorsements, gap\/loan\u2011lease coverage, rental reimbursement, diminishing deductibles and accident forgiveness. Telematics programs can also offset premiums by rewarding safe driving as adoption rises (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024 Auto Insurance Study<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC market\/complaint resources<\/a>). Keep reading to learn the key differences between comprehensive vs. collision insurance, what each covers, and how much these policies cost\u2014using the latest available benchmarks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Comprehensive Insurance&nbsp;<\/h2>\n\n\n\n<p>Comprehensive coverage is a car insurance policy that covers vehicle damage unrelated to an accident. It typically applies to non\u2011collision perils like theft, vandalism, fire, hail, flood, falling objects, and animal strikes\u2014specifics vary by policy (<a href=\"https:\/\/www.iii.org\/article\/what-is-comprehensive-insurance\">Insurance Information Institute \u2013 What is comprehensive?<\/a>). Recent loss trends have increased the value of comprehensive: the U.S. has seen persistently high counts of costly severe convective storms (hail, wind, tornado) and urban flood events, which disproportionately damage vehicles (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA NCEI Billion\u2011Dollar Disasters<\/a>; <a href=\"https:\/\/www.swissre.com\/media\/press-release\/pr-20240403-sigma2024.html\">Swiss Re sigma on record SCS losses<\/a>).<\/p>\n\n\n\n<p>There are a few reasons why drivers should consider purchasing comprehensive insurance. For one, it\u2019s the only car insurance policy that covers <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-to-prevent-car-theft\/\">vehicle theft<\/a>. Theft remains elevated: more than one million vehicles were stolen nationally in 2023, according to the <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">National Insurance Crime Bureau<\/a>. While a prominent vandalism category\u2014catalytic converter theft\u2014declined in 2023 from 2021\u20132022 peaks, broader property\u2011crime and theft risks persist (<a href=\"https:\/\/www.nicb.org\/news\/blog\/catalytic-converter-thefts-decline-2023\">NICB catalytic converter trend<\/a>; <a href=\"https:\/\/www.bjs.ojp.gov\/library\/publications\/criminal-victimization-2023\">BJS Criminal Victimization 2023<\/a>). If your car gets stolen or damaged by a covered peril, your insurer typically pays up to your vehicle\u2019s actual cash value minus your deductible.<\/p>\n\n\n\n<p>Here are some of the situations covered by a comprehensive insurance policy:<\/p>\n\n\n\n<ul><li>Weather-related damage (for example, hail, windborne debris, wildfire smoke\/ash or flash flooding that inundates your vehicle) (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA NCEI<\/a>)<\/li><li>Falling objects (tree limbs or debris during storms)<\/li><li>Explosions (non\u2011collision fire\/explosion events)<\/li><li>Hitting an animal (e.g., deer strikes on rural roads)<\/li><li>Theft (including whole\u2011vehicle theft and many parts\u2011theft\/vandalism incidents) (<a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">NICB<\/a>)<\/li><li>Earthquakes (where covered by your policy wording)<\/li><li>Vandalism (such as glass breakage or keyed panels; catalytic converter theft has eased from its peak but remains a risk) (<a href=\"https:\/\/www.nicb.org\/news\/blog\/catalytic-converter-thefts-decline-2023\">NICB<\/a>)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is Collision Insurance&nbsp;<\/h2>\n\n\n\n<p>Collision insurance is exactly what the name suggests: a type of insurance that pays to repair damages to your vehicle after an accident. Collision coverage applies regardless of who caused the crash and is commonly required by lenders\/lessors on financed or leased cars. Repair costs and complexity have been rising\u2014especially for EVs and vehicles with advanced driver assistance systems (ADAS), which often require sensor calibration and specialized parts\u2014contributing to higher collision claim severity (<a href=\"https:\/\/www.cccis.com\">CCC Crash Course 2024<\/a>; <a href=\"https:\/\/www.iihs.org\">HLDI on EV loss experience<\/a>).<\/p>\n\n\n\n<p>If you get into an accident, you <a href=\"https:\/\/www.reviews.com\/insurance\/car\/know-your-claims\/\">submit a claim with your insurance company<\/a>. Increasingly, carriers use digital first notice of loss (FNOL), telematics crash detection, and AI photo estimating to triage and settle lower\u2011severity claims faster\u2014sometimes with straight\u2011through processing for well\u2011scoped scenarios like minor fender\u2011benders or windshield claims. These tools can shorten cycle time and reduce rework when governed well, while complex cases still get human adjusters (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\">J.D. Power 2024 Claims Study<\/a>; <a href=\"https:\/\/www.cccis.com\">CCC<\/a>; <a href=\"https:\/\/www.mckinsey.com\">McKinsey on GenAI in claims<\/a>). Here are the situations that would be covered with collision insurance:<\/p>\n\n\n\n<ul><li>An accident with another driver (rear\u2011end, side\u2011impact or intersection crashes; liability may still be determined separately)<\/li><li>Collision with a stationary object, like a pole or guard rail (including parking lot impacts)<\/li><li>Roll-overs (single\u2011vehicle rollover or loss of control incidents)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What Is <em>Not<\/em> Covered by Comprehensive and Collision Insurance?&nbsp;<\/h2>\n\n\n\n<p>Collision and comprehensive insurance provide important protection for your vehicle, but they don\u2019t cover everything. They do not provide liability protection if you injure someone or damage their property, and they don\u2019t pay medical bills for you or your passengers unless you carry separate coverages. Personal auto policies may also limit or exclude coverage while driving for rideshare\/delivery unless you add the appropriate endorsement (<a href=\"https:\/\/content.naic.org\">NAIC \u2013 Ride\u2011sharing and Insurance<\/a>).<\/p>\n\n\n\n<p>Here are some situations that are not covered by comprehensive or collision insurance, and descriptions of what policies would apply:<\/p>\n\n\n\n<ul><li><strong>Your medical expenses after an accident<\/strong> \u2014 If you get into an accident and you or a passenger suffer injuries or need medical attention, medical payments coverage (or personal injury protection, where applicable) would cover the costs.<\/li><li><strong>Other driver\u2019s medical expenses<\/strong> \u2014 If you cause an accident and the other driver gets hurt, liability coverage would cover their medical expenses.<\/li><li><strong>Your personal items inside a stolen vehicle<\/strong> \u2014 If your car gets stolen, you would need to have home insurance or renters insurance to be compensated for stolen personal items.<\/li><li><strong>Property damage you cause<\/strong> \u2014 If you cause property damage in an accident, liability coverage would cover the cost of repairs.<\/li><li><strong>Your legal fees if you get sued<\/strong> \u2014 If another driver sues you for vehicle damage, bodily injury or property damage, liability insurance would cover the cost of attorney fees, court costs, and settlements.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How Much is Comprehensive and Collision Insurance?<\/h2>\n\n\n\n<p>Comprehensive insurance and collision insurance are optional coverages. They are not automatically included when you purchase a car insurance policy. Each policy costs extra, and adding them will <a href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">affect your rate<\/a>. No U.S. state mandates comprehensive or collision coverage; these remain optional at the state level, though lenders typically require them on financed\/leased vehicles (<a href=\"https:\/\/content.naic.org\">NAIC \u2013 Auto insurance<\/a>).<\/p>\n\n\n\n<p>Using the latest official averages by coverage, the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">average premium for collision insurance<\/a> was about $422 and the average premium for comprehensive insurance was about $207 in 2022. These NAIC \u201caverage expenditures\u201d are the most recent national benchmarks available as of 2025 (<a href=\"https:\/\/content.naic.org\">NAIC Auto Insurance Database Report<\/a>). Since 2022, auto insurance prices have risen sharply\u2014the BLS motor vehicle insurance index climbed significantly through 2023\u20132024 and remains elevated\u2014so current 2025 premiums are likely higher than the 2022 averages (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI release<\/a>; <a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEDC\">BLS motor vehicle insurance CPI series<\/a>). Market snapshots of overall \u201cfull coverage\u201d also show substantial increases post\u20112022 (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate 2025 analysis<\/a>). Your price will vary by state, vehicle, deductibles, telematics participation, and driving record.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What to Consider Before Buying Comprehensive and Collision Insurance&nbsp;<\/h2>\n\n\n\n<p>The truth is, not every driver needs comprehensive or collision coverage. Under state law, these coverages remain optional; most states require liability, and some also require PIP and\/or UM\/UIM. Recent statutory changes raised minimum liability limits but did not mandate comprehensive or collision\u2014for example, California\u2019s minimums increased for policies effective Jan 1, 2025 (with another step scheduled in 2027) and Virginia\u2019s minimums rose Jan 1, 2025 while Virginia also eliminated its uninsured\u2011vehicle fee in 2024, making liability insurance mandatory to register\/operate a vehicle (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202120220SB1107\">California SB 1107<\/a>; <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472\/\">Code of Virginia \u00a746.2\u2011472<\/a>; <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter6\/section46.2-706\/\">\u00a746.2\u2011706 repeal<\/a>; <a href=\"https:\/\/www.nj.gov\">NJ 2026 staged increase<\/a>; <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">Florida requirements<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>Cost\u2013benefit still matters. Many consumers facing premium inflation have responded by raising deductibles, trimming optional add\u2011ons, or moving older, paid\u2011off vehicles to liability\u2011only by dropping collision and\/or comprehensive\u2014especially when the annual premium approaches the car\u2019s market value (<a href=\"https:\/\/www.transunion.com\/blog\/insurance\/2024-personal-lines-insurance-trends-and-perspectives\">TransUnion 2024 Personal Lines Trends<\/a>; <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>). At the same time, persistent weather and theft exposures make comprehensive valuable in many regions (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA NCEI<\/a>; <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">NICB<\/a>). If you want to keep physical damage protection while managing price, consider higher collision deductibles than comprehensive, enroll in telematics for potential discounts, and shop multiple carriers.<\/p>\n\n\n\n<p>However, most drivers will benefit from these optional coverages. Here are some specific reasons why you might consider getting comprehensive and collision coverage:<\/p>\n\n\n\n<ul><li><strong>Your car is leased or financed:<\/strong> If you drive a leased car, or are financing your car with a loan, your lender will probably require you to purchase collision and comprehensive insurance. Confirm add\u2011ons that can matter after a loss\u2014gap\/loan\u2011lease coverage, rental reimbursement, and whether glass has a lower deductible\u2014since these vary by insurer and state (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC resources<\/a>).<\/li><li><strong>You drive a luxury or high-value car:<\/strong> Fixing expensive or technology\u2011heavy cars (EVs\/ADAS) can be costly due to calibration and specialized parts; collision\/comprehensive help contain that risk (<a href=\"https:\/\/www.iihs.org\">HLDI EV severity<\/a>; <a href=\"https:\/\/www.cccis.com\">CCC<\/a>).<\/li><li><strong>You want the maximum protection:<\/strong> For peace of mind, comprehensive addresses non\u2011crash perils\u2014hail, flood, fire, theft, vandalism\u2014that have produced elevated losses in recent years (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>; <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">NICB<\/a>).<\/li><li><strong>You have a history of accidents:<\/strong> Drivers with at\u2011fault losses may benefit from collision coverage for future repairs; some insurers also offer diminishing deductibles or accident forgiveness that can soften the financial impact (availability varies by state\/company).<\/li><li><strong>You live in an area with frequent crime:<\/strong> If you live in an area with a high crime rate, having comprehensive insurance will cover your car if it gets stolen or broken into. Theft totals again exceeded one million vehicles nationally in 2023, per the <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">National Insurance Crime Bureau<\/a>, and while catalytic converter thefts declined in 2023, other vandalism risks persist (<a href=\"https:\/\/www.nicb.org\/news\/blog\/catalytic-converter-thefts-decline-2023\">NICB<\/a>).<\/li><li><strong>You can\u2019t afford to repair or replace your car out-of-pocket: <\/strong>Comprehensive\/collision can cap your out\u2011of\u2011pocket exposure (minus your deductible). Many claims now move faster via mobile FNOL and photo estimating for minor damage, which can reduce disruption if you have the right rental reimbursement in place (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\">J.D. Power 2024 Claims<\/a>; <a href=\"https:\/\/www.cccis.com\">CCC<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs about Comprehensive and Collision Insurance<strong> <\/strong><\/h2>\n\n\n<div id=\"block_5fbd51741a87a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is comprehensive insurance worth it?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Comprehensive insurance can be worth it for many drivers, especially where hail, flood or theft risks are significant. It\u2019s also relatively inexpensive compared with collision on average: national average expenditures were about $207 for comprehensive vs. about $422 for collision in 2022, per NAIC data summarized by the <\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a><span style=\"font-weight: 400;\"> and the <\/span><a href=\"https:\/\/content.naic.org\">NAIC Auto Insurance Database Report<\/a><span style=\"font-weight: 400;\">. Since then, the motor vehicle insurance CPI has risen sharply, so 2025 prices are likely higher than those 2022 benchmarks (<\/span><a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a><span style=\"font-weight: 400;\">). Elevated theft (over one million vehicles in 2023) and frequent severe convective storms further support the value of comprehensive in many regions (<\/span><a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">NICB<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA NCEI<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fbd51861a87b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Do I need comprehensive insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Comprehensive insurance is not required by state law. Liability insurance is the only policy that is legally required in most places (some states also require PIP and\/or UM\/UIM). Lenders\/lessors usually require comprehensive (and collision) on financed or leased vehicles. Recent state updates raised minimum liability limits (e.g., California and Virginia in 2025) but did not mandate comprehensive or collision (<\/span><a href=\"https:\/\/content.naic.org\">NAIC consumer auto insurance<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202120220SB1107\">California SB 1107<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472\/\">Virginia \u00a746.2\u2011472<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fbd51931a87c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is full coverage the same as comprehensive insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">No, full coverage and comprehensive insurance are not the same thing. Comprehensive insurance is an optional policy that is included as part of <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\"><span style=\"font-weight: 400;\">full coverage insurance<\/span><\/a><span style=\"font-weight: 400;\">, which typically also includes collision, liability and other protections (e.g., medical payments or PIP, UM\/UIM). Comprehensive specifically covers non\u2011collision perils like theft, hail, flood and vandalism (<\/span><a href=\"https:\/\/www.iii.org\/article\/what-is-comprehensive-insurance\">III overview<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fbd51a31a87d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">When should I drop collision insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Drivers often consider dropping collision on older, paid\u2011off vehicles when the annual premium (plus your deductible) approaches the vehicle\u2019s actual cash value and you can afford to self\u2011insure the risk. In 2024 consumer research, many policyholders managed higher premiums by raising deductibles or moving older cars to liability\u2011only (<\/span><a href=\"https:\/\/www.transunion.com\/blog\/insurance\/2024-personal-lines-insurance-trends-and-perspectives\">TransUnion 2024 Personal Lines Trends<\/a><span style=\"font-weight: 400;\">). Before you drop collision, weigh local crash risk, parts\/labor costs, and whether telematics discounts could help preserve coverage. Some drivers keep comprehensive (for hail, flood, theft and vandalism) even if they drop collision, especially in storm\u2011 or theft\u2011prone areas (<\/span><a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA NCEI<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.nicb.org\/news\/news-releases\/vehicle-thefts-remain-elevated-2023-over-one-million-stolen-vehicles\">NICB<\/a><span style=\"font-weight: 400;\">). Always confirm your lender or lessor does not require physical damage coverage before removing it.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Car insurance consists of several different policies. Two of the most popular policies are collision coverage and comprehensive coverage. Collision coverage pays for accident-related vehicle damage, and comprehensive coverage pays for damage caused by incidents other than an accident. Industry sources note that these coverages respond to different loss drivers: collision is most affected by [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comprehensive and Collision Insurance Explained - Reviews.com<\/title>\n<meta name=\"description\" content=\"Collision and comprehensive are add ons to your policy to protect you on and off the road. 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