What is it?
Comprehensive coverage, sometimes called “Other Than Collision,” helps pay to repair or replace your vehicle if it’s stolen or damaged in a covered incident that’s not a collision. Covered incidents include things like theft, fire, vandalism, or damage resulting from falling objects (like a tree or hail) or hitting an animal. This coverage comes with a “deductible”, which is the amount you have to pay before your coverage helps pay for your claim.
Do I need it?
If you're leasing or financing your vehicle, Comprehensive coverage is typically required by the lender. If your vehicle is paid off, Comprehensive is optional but offers important protection for damage to your vehicle, particularly from events out of your control.
What is NOT covered?
Damage to your vehicle from a collision or damage to another person's vehicle from a collision
Tom hits a deer. Tom's vehicle has moderate damage to the front bumper. Tom's Comprehensive coverage pays for the damage to his vehicle minus his deductible.