Comprehensive vs collision coverage are the two main types of optional vehicle damage protection in Alberta. Collision coverage pays for damage when your vehicle hits another car or object, including icy-road crashes. Comprehensive coverage handles non-collision risks like hail, theft, wildlife strikes, and cracked windshields. Alberta’s harsh winters, hailstorms, and rising theft rates mean most Edmonton, Calgary, and Sherwood Park
Summary: parked car damage — from hit-and-runs to vandalism or hail — is covered through your existing collision and comprehensive auto insurance rather than a separate “parking” policy, since no such standalone product exists. This blog explains the difference between collision and comprehensive coverage as they apply to parked-car incidents, why documenting damage with photos matters for your claim, how