Comprehensive coverage is physical damage coverage to the insured’s covered auto. To understand Comprehensive coverage you must first understand Collision. Collision is defined as a loss due to impact of the insured auto with another object or vehicle and includes the upset of the insured vehicle. Comprehensive is often referred to as Other Than Collision because it would pay almost every other type of direct, accidental loss to the vehicle other than collision (as long as it is not excluded by the policy).
Some examples of losses that would be considered Comprehensive losses are:
- Hail, water, or flood
- Contact with a bird or animal
- Glass breakage
Comprehensive coverage is not included on a standard auto policy. You must pay an extra premium for it. If you have a comprehensive loss then you will be subject to a deductible before insurance will kick in. It is highly advised that you include this coverage on newer vehicles. The older the vehicle gets, the less the coverage may benefit you.