Comprehensive Coverage.

In plain English

Comprehensive coverage pays to repair or replace your vehicle for damage that is not caused by a collision. That includes theft, vandalism, fire, falling objects, flooding, hail, and hitting an animal like a deer. Like collision coverage, it has a deductible (the amount you pay before the insurer pays the rest) and pays up to the car's value. It is often bundled with collision, and lenders typically require both while there is a loan on the car.

01Why it matters

A stolen car, a flooded engine, or a deer strike can cost as much as a crash, and none of it is covered by liability or collision. Comprehensive is what stands between those events and your own wallet.

02The math, step by step

A hailstorm dents your roof and hood, with repairs estimated at $3,200. Your comprehensive coverage has a deductible you chose when you bought the policy, say $1,000. You pay $1,000 and the insurer covers the remaining $2,200.

03What this is NOT

04Receipts

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