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Comprehensive insurance protects the owners vehicle for an additional premium. Comprehensive coverage is used If your car is stolen or damaged by a covered peril. Comprehensive insurance covers most perils that are not covered by collision insurance.
comprehensive car insurance covers your vehicle if is damaged by a fire, windstorm, hail, falling object, missiles, vandalism, rioting and even contact with animals such as deer. Comprehensive insurance in many cases also covers glass such as your windshield. Good comprehensive insurance will provide a $0 deductible on glass coverage.
Most lending institutions will require that you keep comprehensive insurance as well as collision on a financed or leased vehicle as long as they have a lien on the title.
Be aware that some car insurance companies may have special provisions in areas which are hard-hit by natural disasters. This may require you to obtain a special rider for some kinds of damage. This will also increase the cost.
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