Comprehensive auto insurance coverage refers to an optional part of an auto insurance policy that covers damages or losses to your car caused by events other than collisions. These events can include theft, vandalism, fire, hail, and natural disasters like floods or earthquakes. Comprehensive coverage also provides protection against damage caused by animals, such as deer or birds.
Comprehensive auto insurance coverage is important because it can help you protect your financial investment in your car. If your car is damaged or destroyed in a covered event, comprehensive coverage can help you pay for repairs or replacement costs. This can be especially important if you have a newer car or if you owe money on your car loan.