Comprehensive (sometimes known as "other then collision") and Collision coverage is usually not mandated by any states however many lien holders/lenders will require for you to obtain this coverage. Even if your vehicle is fully paid off Comprehensive and Collision can be a great coverage to purchase.
Comprehensive (other then collision) Coverage
To make things easy, as it is sometimes called it covers mainly everything other then collision. Comprehensive coverage will cover damages if your car is stolen, it will cover vandalism, window damage, even damages caused by a flood, fire or animal minus your deductible.
Collision Coverage
Collision will cover for any damage occurring to your vehicle if you hit or are hit by another vehicle or object. If it is considered a collision it is covered minus your deductible.
Comprehensive and Collision is usually provided as a package, most insurance companies will not insure one with out the other just as most companies will require you to obtain the same deductible for both coverages.
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