Comprehensive insurance coverage, also known as “other than collision” coverage, is a car insurance coverage that can help pay the costs of damage to your car for non-collision related claims. For example, it can help pay for damages caused by hail, theft, fire or hitting an animal.

It’s important to keep in mind that this coverage is optional. You have to add it on top of other coverages you may have, like liability insurance. But, if you’re financing or leasing your car, your lender will likely require it.

What does comprehensive insurance cover?

Every accident is unique – whether comprehensive insurance covers your accident is determined by a wide set of circumstances. Here are a few types of damage that may be covered by comprehensive insurance:

• Theft
• Fire
• Vandalism
• Contact with animals
• Falling or flying objects
• Hail
• Windshield damage
• Windstorms
• Earthquakes