What is Comprehensive Insurance?

Comprehensive insurance coverage is defined as optional coverage that covers damage to your vehicle driven by non-collision events that are outside of your control.

This include:

Vandalism,
Theft,
Fire,
Accidents with animals,
Weather,
Glass and windshield damage,
or other acts of nature.

Though often referred to as “comprehensive insurance,” comprehensive coverage refers to a specific coverage on an existing policy, not a particular type of insurance. For example, lenders may require you to have comprehensive when you finance or lease a vehicle.

Comprehensive coverage helps cover the expense of damages to your vehicle when you are involved in an accident that’s not driven by a collision. In addition, comprehensive coverage covers losses like hail, theft, vandalism, and hitting an animal.

What does comprehensive insurance cover?

Falling trees/limbs and other objects
Accidents with animals (e.g., hitting a deer)
Theft
Vandalism, fire, and explosions
Rocks/objects kicked up by or falling off cars
Hail, wind, floods, Storms, lightning, and earthquakes
Windshield and glass damage

What does comprehensive insurance not cover?

Legal fees
Lost income for you or your passengers if you miss work after an accident
Property stolen from your car
Damage to your car from a collision
Medical expenses
Damage to another person’s car from a collision

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