What Is Comprehensive Auto Insurance?

An occurrence that isn’t a collision Comprehensive coverage, sometimes known as “other than collision,” generally includes damage caused by fire, vandalism, or falling items (like a tree or hail). Your lender will almost certainly need full coverage if you’re financing or leasing your vehicle. It’s an optional coverage on your auto insurance policy if you own your vehicle altogether.

What Does a Comprehensive Insurance Policy Cover?

In terms of what comprehensive insurance covers, the following items are on the list:

  • Animal contact, such as colliding with a deer
  • Earthquakes, floods, and storms are examples of natural catastrophes.
  • Riots and vandalism caused by fire
  • Theft of a vehicle, or the theft of certain pieces of a vehicle
  • Windshields that are cracked
  • Branches, pebbles, and hail are examples of falling things.

Comprehensive insurance is a form of car insurance that protects your vehicle from damage caused by events other than a collision. Comprehensive insurance will protect your car if it is wrecked by a storm, dented by a deer, spray-painted by a vandal, broken into, or crushed by a collapsing garage, among other things.

The Advantages of Purchasing Comprehensive Car Insurance

Except for collisions, a comprehensive automobile insurance coverage covers your vehicle against any unforeseen catastrophe. It also covers losses incurred in the event of an accident. Let’s look at some of the additional advantages of this “other than collision” coverage:

It is the most comprehensive level of security you can provide for your vehicle.

With comprehensive automobile insurance, you may claim for damages sustained in such scenarios if you are judged to be at fault in an accident.

  • It protects you against litigation, including legal expenses, filed against you as a result of an accident.
  • Financial security and peace of mind
  • Provides cash assistance if your automobile is totaled.
  • Unlike third-party insurance, it protects your own vehicle in the event of an accident.

It’s vital to remember that this protection is optional. It must be purchased in addition to any other coverages you may have, such as liability insurance. If you’re financing or leasing an automobile, though, your lender will almost certainly need it.

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