When you hear someone use the term “comp and collision,” they are referring to two separate insurance coverages available for personal auto insurance policies: Comprehensive coverage (also referred to as Other Than Collision coverage) and Collision coverage.
What is Comprehensive insurance?
Comprehensive insurance helps pay for damages to your vehicle caused by factors other than an accidental collision, such as fire, vandalism, weather (hail, flooding, wind, lightning, etc.), theft, impact with an animal, etc. (Exclusions may apply.)