what is comprehensive insurance

Comprehensive insurance is a type of car insurance that covers damage to your vehicle from causes other than a collision. It is sometimes referred to as "other than collision" coverage. This insurance helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision, such as damage from fire, vandalism, or falling objects like a tree or hail. It also covers losses like theft, natural disasters, animal damage, and civil disturbances. Comprehensive coverage is optional, but if you're financing or leasing your car, your lender likely requires it. If you own your vehicle outright, it's optional coverage on your car insurance policy