Also referred to as "physical damage coverage," Comprehensive and Collision coverage helps repair your car after a covered loss. Comprehensive or "Comp" coverage generally reimburses you when your car is damaged from theft, vandalism, fire or hitting an animal…or if your vehicle is damaged from weather-related events like hail. Collision provides coverage when damage occurs to your car while it's moving, parked or struck by another vehicle. At Toggle, we combined the two because we believe you shouldn't have to worry about whether it's hail or another vehicle that caused the damage to your car (not applicable in South Carolina). Insurance is hard - we make it easy.