Collision insurance pays for repairs to your car if you get into an accident and the accident is your fault. (If the accident is the other driver’s fault, then his/her insurance pays.)
Comprehensive insurance fixes your car if something happens to it that isn't the result of an accident, such as a broken windshield caused by a pebble or a dented roof caused by a fallen tree branch. It also reimburses you the value of the vehicle if it is stolen.
Both collision and comprehensive have a deductible—an amount you have to pay first, before the insurance kicks in. (See “What is a deductible?” later in this section for more information.) (There is no deductible on the liability portion of your coverage.)