Comprehensive (often referred to as "other than collision") coverage is one type of protection available on an auto insurance policy (others being collision, uninsured motorist, etc.). Comprehensive coverage pays only for damage caused by an event other than collision, including:
- Weather (hail, floods, etc.)
- Vehicle collision with animals (i.e. deer hit)
Comprehensive coverage on most personal auto policies also includes full glass coverage, so if you get a chip in your windshield it would be repaired without a deductible. Every carrier is different though, so be sure to check your policy to see if this is included, or if it can be added.
Often times with older vehicles, our insured's will leave comprehensive coverage on their auto policies, but remove collision to save money on their premium.