Tennessee · Auto · Physical damage
Collision is the crash. Comprehensive is everything else that happens to the car.
Collision pays for your car after it hits another vehicle or an object, or after a rollover, once you pay that deductible. Comprehensive, often called other-than-collision, pays for theft, vandalism, hail, fire, flood to the car, glass, a falling object, and many animal strikes, after its own deductible. Neither one pays the other driver. That is liability. Tennessee’s financial-responsibility rule is about liability, not these two.
“Full coverage” means liability plus these two. It still does not include rental reimbursement or gap unless those are listed. Flood that ruins the car is a comprehensive claim if you bought comprehensive. It is not a homeowners claim and it is not the state’s liability minimum. This page does not state Tennessee’s dollar floor. Read the current number from the state, then read your declarations for what you bought.
Comprehensive, named: Tennessee comprehensive. Collision, named: Tennessee collision. The policy around them: Tennessee car insurance and full coverage. The part that pays other people: Tennessee liability. The state office: Tennessee Department of Commerce and Insurance.
