Comprehensive coverage is a part of an auto insurance policy that helps pay for damage to your vehicle caused by non-collision events. While collision coverage applies to damage from impact, comprehensive coverage focuses on losses that are typically unpredictable and outside the driver’s control.
This coverage applies to a wide range of situations, including theft, weather damage, vandalism, animal strikes, and falling objects. Comprehensive coverage is commonly required by lenders for financed or leased vehicles and plays a key role in protecting vehicle value against risks not related to driving behavior.
This section explains how comprehensive coverage works, what it covers, what it excludes, how claims are handled, and how to decide whether the coverage is worth carrying.
Articles in This Section
- What Comprehensive Coverage Typically Covers
- What Is Included in a Standard Comprehensive Insurance Policy
- What Comprehensive Coverage Does Not Cover
- How Comprehensive Coverage Is Structured
- Comprehensive Coverage vs Collision Coverage
- How Comprehensive Deductibles Work
- When Comprehensive Coverage Applies
- How Weather and Natural Events Affect Comprehensive Claims
- Theft and Vandalism Coverage Explained
- How Comprehensive Coverage Affects Auto Insurance Premiums
- When Comprehensive Coverage Is Worth Carrying
- When Dropping Comprehensive Coverage Makes Sense
- How Vehicle Value Impacts Comprehensive Coverage Decisions
- How Comprehensive Claims Are Filed and Paid
- How Comprehensive Coverage Works With Repairs and Total Losses
- Common Misunderstandings About Comprehensive Coverage
- Comprehensive Coverage for Leased and Financed Vehicles
- Comprehensive Coverage and Rental or Loaner Vehicles
- How to Review and Adjust Comprehensive Coverage
- When Comprehensive Coverage Is Not Enough
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