Collision insurance and liability insurance are different. Collision insurance covers your car if you're in a moving accident, while liability insurance covers

Collision insurance and liability insurance are different. Collision insurance covers your car if you're in a moving accident, while liability insurance covers other people's property. Comprehensive covers your car if you're in a non-moving accident. In the US, I'm not aware of any states that require collision or comprehensive, though nearly all require liability. Lenders tend to require both collision and comprehensive though.