Texas · Two ways your own car gets paid
Collision is a crash. Comprehensive is everything else the form lists, including hail, theft, and flood to the car. Neither one pays the other driver.
Liability is the Texas floor, 30/60/25, and it pays other people. Collision and comprehensive are physical damage on your car. You can be legal with neither of them. A lender usually requires both. Collision responds when your car hits another vehicle or an object, or rolls over. Comprehensive, often printed as other-than-collision, responds to theft, vandalism, hail, fire, flood to the car, glass, falling objects, and many animal strikes. The deductibles are separate. A hail claim uses the comprehensive deductible. It does not spend the collision deductible, and hail on the house is not this coverage at all.
The two coverages on their own pages: collision and comprehensive. How they sit inside the policy: full coverage and car insurance in Texas. The rental car after a covered loss, only if you bought it: rental reimbursement. Liability is a different check, and the dollar floor changes by state. Tennessee’s version: Tennessee liability. The product page: Texas auto.
