Comprehensive Coverage

Comprehensive coverage (sometimes called "other than collision") pays for damage to your own vehicle from causes that are not a crash: theft, fire, hail, flooding, falling objects, vandalism,...

Comprehensive coverage (sometimes called "other than collision") pays for damage to your own vehicle from causes that are not a crash: theft, fire, hail, flooding, falling objects, vandalism, or hitting an animal such as a deer. It pays the repair or replacement cost minus your deductible.

Like collision coverage, it is optional under most state laws but usually required by an auto lender.

Example: a hailstorm dents a car's roof and hood, causing $4,000 in damage. With a $250 comprehensive deductible, the policy pays $3,750.

Related: collision coverage, deductible, peril. See the auto insurance overview.

Want this checked against your actual policy?

Get a Free Coverage Review