what does comprehensive car insurance cover

Comprehensive car insurance is an optional coverage that helps pay to replace or repair your vehicle if its stolen or damaged in an incident thats not a collision. Comprehensive coverage is designed to provide financial protection if your car is damaged by something other than a crash. It covers damage to your vehicle caused by non-collision events that are beyond your control, such as theft, vandalism, fire, floods, hail, hitting an animal, and glass breakage. Comprehensive coverage is sometimes referred to as "other than collision" coverage. If youre financing or leasing your car, your lender likely requires comprehensive coverage. However, if you own your vehicle outright, its optional coverage on your car insurance policy. Comprehensive coverage can protect you against minor and major damages caused by things beyond your control, regardless of whatever coverage you may have that extends to accidents. The value of comprehensive coverage will vary depending on your unique circumstances. If you have a new vehicle and it would be very expensive to repair or replace damaged parts, it could make sense to get comprehensive insurance.