Comprehensive car insurance coverage insures your car against vandalism, fire, theft, weather mishaps. In some cases, it may provide the coverage to the contents of a vehicle, but not to aftermarket accessories. Collision coverage pays for damages to or replacement of your vehicle arising from an accident which happened on the road, damage from loose debris on the roadway, or damage from the roadway itself .But it might not cover the damage incurred in parking lot while the car is parked, even if another vehicle is involved. Collision and comprehensive insurance is not required by any state, but it is highly recommended for most drivers.