Comprehensive Coverage

Optional coverage for vehicle damage from causes other than collision, such as theft, hail, flood, and animal strikes.

Overview

Covered perils include fire, falling objects, vandalism, glass breakage, and deer strikes, which total near a million US claims a year. Windshield claims are often carved out with full glass options because small chips spread into cracks, and modern windshields with embedded sensors cost far more to replace. Like collision it pays actual cash value minus a deductible and is required by lenders. Comprehensive claims generally raise premiums less than collision claims since drivers control them less, and many states bar surcharges for comprehensive only events. In theft prone areas and for vehicles with expensive glass and cameras, the coverage earns its premium.