Pays for damage to your auto from theft, vandalism, flood, fire or other covered perils. This coverage is subject to the terms and limits.
Because comprehensive covers so many perils, it can be very expensive. For businesses that want this broad coverage, a less expensive alternative is specified perils coverage. This is sometimes called "fire, theft, and combined additional coverage" or "CAC." It covers many of the perils comprehensive covers, except windshield damage, but it does so on a named peril basis.
Collision is defined as losses incur when your automobile collides with another autoor object. For example, if you hit a car in a parking lot, the damages to your autowill be paid under your collision coverage.