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It's easier to tell you what collision is first. Collision is when you hit something or turn the vehicle over. Comprehensive is just about everything else. Fire, Theft, Animal Collisions, Broken Glass, Tree Falling on Car, etc. Most companies do not rate up your insurance for comprehensive claims. You may loose a claim free discount if it is on your policy but will not be surcharged. You can be cancelled for too many comp claims though.
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