Legal Definitions - comprehensive insurance coverage

Comprehensive insurance coverage is a type of car insurance that pays for damages to your vehicle that are not caused by a collision. This type of insurance covers a wide range of incidents, such as:

• Hail damage
• Theft
• Vandalism
• Tree branches falling
• Cracked windshields

While comprehensive insurance is not required by law, it is often required by lenders if you have a car loan. This is because collision and liability insurance do not cover damages caused by natural disasters or other non-collision incidents.

For example, if your car is parked outside during a hailstorm and the hail damages your car, comprehensive insurance would cover the cost of repairs. Similarly, if your car is stolen, comprehensive insurance would cover the cost of replacing your car.