Final answer:
DW refers to the legal risk factor of driving while impaired, affecting insurance premiums. Collision insurance covers damages from accidents, and comprehensive insurance covers non-collision related incidents for a vehicle.
Step-by-step explanation:
The differences between DW (Driving While) insurance and comprehensive/collision insurance are based on the types of coverage they offer. DW insurance typically refers to penalties that drivers may incur if they operate a vehicle while impaired, which is not an insurance product but a legal risk factor affecting insurance premiums. On the other hand, collision insurance covers the cost of damages to a driver's own car in the event of an accident with another vehicle or an object, while comprehensive insurance covers damages to a car from non-collision related incidents such as theft, fire, or natural disasters. Both types of car insurance are designed to cover different scenarios and can be part of a car insurance policy to financially protect an insured individual.