Definition

• Comprehensive auto insurance is coverage that pays for damage to your vehicle caused by an event other than a collision with a motor vehicle or stationary object.
  
  

Covered Accidents

• Accidents covered by comprehensive coverage are limited to collisions with animals.
  
  

Theft and Vandalism

• Comprehensive coverage pays for damage to your car caused by vandalism. It also pays the market value of your car if it is stolen and cannot be recovered.
  
  

Other Events

• Other covered losses include fire damage and damage caused by weather, flooding or natural disasters.
  
  

Deductibles

• When you purchase comprehensive coverage, you will select a deductible, which is the amount you will pay out of your own pocket if a covered event occurs. The higher your deductible, the more you will save each year on your insurance premiums.