Definition

• If your vehicle is stolen, damaged by a windstorm, burned in a fire or clawed by a bear, comprehensive coverage will help pay for repairs. In simple terms, comprehensive coverage insures your vehicle against damages that occur from fire, theft, acts of nature and acts of fowl.
  
  

Physical Damage

• Often referred to as physical damage coverage, comprehensive coverage is commonly purchased along with collision coverage to provide the vehicle with total protection. When both types of coverage are purchased, your vehicle is insured against damages that are out of your control, as well as against damages that you can cause to your vehicle.
  
  

Requirements

• Comprehensive insurance is not a state-mandated coverage. Unless you are leasing or financing your car, you do not have to carry it. However, if you want to add additional vehicle protection like collision coverage, roadside service and rental reimbursement, you must have comprehensive coverage. In essence, comprehensive coverage is the gateway to full coverage insurance.
  
  

Deductible

• Most insurance companies require policyholders to carry a deductible with their comprehensive coverage. Deductible options range from $100 to $1,000 per incident, with a $500 deductible the most common selection.