Comprehensive coverage
Covers non-collision damage like theft, weather, and fire.
Full definition
Comprehensive coverage pays for damage to your vehicle that is not caused by a collision. This includes theft, vandalism, hail damage, flood damage, fire, falling objects, and animal strikes. Like collision coverage, it pays up to your vehicle's actual cash value minus your deductible. It's optional if you own your car, but required by lenders.
Real-world example
A hailstorm dents your car heavily. Damage estimate: $4,200. Your comprehensive deductible: $500. Your insurer pays $3,700.
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Use the calculator →Quick summary
Covers non-collision damage like theft, weather, and fire.
Related terms
- Collision coverage
Pays to repair or replace your vehicle after an accident.
- Deductible
The amount you pay out of pocket before insurance kicks in.
- Full coverage
A package including liability, collision, and comprehensive coverage.