Collision
Generally addresses damage when the vehicle collides with another vehicle or object, subject to Michigan’s selected collision form and deductible.
Comprehensive
Generally addresses non-collision events such as theft, vandalism, fire, hail, falling objects, glass damage, or contact with an animal.
Financed vehicles
A lender or lessor commonly requires physical-damage coverage while it has a financial interest in the vehicle.
What to compare
Review deductibles, vehicle value, repair costs, collision form, lender requirements, and the amount of loss you could comfortably absorb.