Comprehensive Coverage
Pays for damage to your car from non-collision events — theft, fire, hail, falling trees, hitting a deer.
Comprehensive coverage (sometimes called "Other Than Collision" or "OTC") pays for damage to your vehicle that doesn't involve hitting another vehicle or object. The classic examples: hail damage, theft, vandalism, fire, flood, falling tree branches, hitting a deer (the deer counts as nature, not a collision), windshield cracks, and acts of God.
Like collision, comprehensive is optional unless your lender requires it, and it has its own deductible. Glass-only coverage often comes with $0 deductible because most carriers want you to fix small chips before they spread.
In the Midwest (IL, IN, WI), hail is the #1 reason people make comprehensive claims. Storm season can produce baseball-sized hail that totals cars. If you park outside, comprehensive is highly recommended even on older cars.
Comprehensive does NOT cover: damage you cause hitting another car (collision), mechanical breakdowns (warranty), or items stolen out of the car (homeowners covers those).
Related terms:Collision Coverage·Deductible
Related Geneva services:Auto Insurance