Collision coverage is a type of auto insurance that helps pay for the repair or replacement of your vehicle if it is damaged in an accident involving:

• A collision with another vehicle

• A collision with an object (e.g., a tree, pole, or guardrail)

• A single-car accident, such as rolling over

Collision coverage is optional unless required by a lender or leasing company. It typically comes with a deductible, which is the amount you must pay out of pocket before insurance covers the rest. Unlike liability insurance, collision coverage pays for damage to your own vehicle, regardless of who is at fault.

Comprehensive coverage is a type of auto insurance that helps pay for damage to your vehicle caused by non-collision events, such as:

• Theft

• Vandalism

• Fire

• Natural disasters (hail, floods, hurricanes, etc.)

• Falling objects (tree branches, debris)

• Animal collisions (e.g., hitting a deer)

Comprehensive coverage is optional unless required by a lender or leasing company. It typically comes with a deductible, which you must pay before insurance covers the remaining costs. Unlike collision coverage, comprehensive coverage protects against damages that occur outside of accidents involving other vehicles.

Emergency roadside assistance coverage is an optional auto insurance service that provides help when your vehicle breaks down or you experience a roadside emergency. This coverage typically includes:

• Towing – Transporting your vehicle to a repair shop if it’s not drivable.

• Battery Jump-Start – Helping restart a dead battery.

• Flat Tire Change – Replacing a flat tire with your spare.

• Lockout Service – Unlocking your car if you’re locked out.

• Fuel Delivery – Providing gas if you run out (you may have to pay for the fuel).

• Winching Service – Pulling your car out if it’s stuck in mud, snow, or a ditch.

Emergency roadside assistance can be added to an auto insurance policy or purchased separately.