Insurance Coverage Explained
There are two parts to your auto insurance:
1. COLLISION
when you hit something and you are generally at fault.
2. COMPREHENSIVE
when something happens to you and is not your fault—such as vandalism, or a rock on the freeway hitting your windshield.**
** Auto glass damage is covered under the comprehensive part of your insurance—because it was not your fault, auto glass damage generally does not affect your premium when filing a claim.