What is comprehensive car insurance?

Comprehensive insurance covers damage to your vehicle from non-collision events such as theft, fire, vandalism, natural disasters, and hitting an animal.

Comprehensive insurance covers damage to your vehicle that isn't the result of a collision. This includes theft, vandalism, fire, natural disasters (like floods or hailstorms), and animal collisions.

If a tree falls on your car during a storm, your comprehensive insurance would cover the repairs. Similarly, if your car is stolen, comprehensive coverage would pay for a replacement or repair.

While comprehensive insurance is optional, it can be a valuable safety net, particularly if you live in an area prone to natural disasters or high theft rates. Consider your car's value and your risk tolerance when deciding whether to add comprehensive coverage.