Collision coverage pays to repair or replace your car when it’s damaged in an accident. * Comprehensive coverage pays to repair or replace your car when it’s damaged by fire, theft, vandalism, or acts of nature. * Personal injury protection coverage pays … Tags: accident, auto insurance, automobile, automotive , autos, c redit score, car , car insurance, collision, credit, credit rating, Finance, financing, insurance, insurance rate. This entry was posted on Saturday, …