Comprehensive auto insurance is an optional coverage that helps pay to replace or repair your vehicle if its stolen or damaged in an incident thats not a collision. Comprehensive coverage is sometimes called "other than collision" coverage and typically covers damage from fire, vandalism, or falling objects like a tree or hail. Comprehensive coverage can also cover damage from natural hazards such as deer strikes and falling limbs, as well as theft, weather, natural disasters, and acts of violence from civil unrest or riots. Comprehensive coverage does not cover damage caused by a collision. If you lease or finance your vehicle, your lender may require you to carry comprehensive coverage. The most comprehensive coverage will pay is based on the actual cash value of your vehicle, and you will be responsible for paying your selected deductible. In summary, comprehensive auto insurance covers the following:
- Theft
- Vandalism
- Fire
- Natural disasters
- Animal damage
- Civil disturbances
- Falling objects like a tree or hail
- Glass breakage
- Hitting an animal
Comprehensive auto insurance does not cover the following:
- Damage caused by a collision
- Damage due to potholes
- Anything personal stolen from your car
