Collision coverage helps pay to repair your car if it's damaged in a collision with another vehicle or object, such as a fence. ... Comprehensive is a separate coverage from collision. It helps cover different types of losses that are usually not the result of driving the vehicle, such as theft, hail or fallen trees.

Is it better to have collision or comprehensive?

What Do Collision and Comprehensive Insurance Cover? Collision coverage pays for your vehicle's damage if you hit an object or another car. Comprehensive insurance pays for non-crash damage, such as weather and fire damage. It also pays for car theft and damage from collisions with animals.

Do I need collision and comprehensive coverage?

Third Party Liability and Accident Benefit coverage are both mandatory insurance coverages for driving in Alberta. Collision and Comprehensive coverages are not mandatory - because of that, you may assume you don't need them and can save money by not including them in your policy.