Comp or Collision?
A collision is defined to be the impact of one auto with another auto or object. You could have a collision by striking a fencepost or light pole with your car; a tree limb could fall onto your parked car; or you could hit an animal with your car while driving. Raise your hand if you’ve ever hit a deer while driving…
The car does not necessarily have to be in motion for a collision claim to occur. Example: an insured backs his tractor into his car that is parked in the driveway. The insurer will likely find this to be the fault/sole negligence of the insured, and a claim would be paid out as a collision loss.
If you review the list of comprehensive perils listed on your personal auto policy, you’ll find that “missiles/falling objects” (tree limb) and “contact with a bird or other animal” are listed. Therefore they are comp losses and not covered under collision. For this reason, it is important to have both comp/collision coverage on your vehicle.
If a collision loss is due to the sole fault/negligence of the driver, it is likely that the loss will be considered a collision. However, unlike collision losses, most comp losses are not due to the sole negligence of the driver and therefore generally have a lower deductible and do not result in a rating penalty.