Both comprehensive coverage and collision coverage insure your car, but they cover different events. Comprehensive insurance coverage covers damage caused by events that are considered beyond your control, such as theft, acts of vandalism, blows to an animal, broken glass, fire, and weather-related incidents (for example, comprehensive coverage is optional coverage). Although it's optional, car lenders may require you to carry comprehensive insurance when leasing or financing a vehicle. It can cover damage caused by fire, hail, vandalism, theft or collisions with animals, among other unexpected and uncontrollable events.
Comprehensive car coverage doesn't cover damage caused by a collision with another vehicle or object. If you have comprehensive coverage, your car insurance policy can cover damage caused by hail after paying the deductible, up to the limits of your policy. Comprehensive coverage covers damage to your vehicle caused by events beyond your control, including weather-related damage, theft and vandalism. If you don't have comprehensive coverage, your policy probably won't cover damage caused by hail and you'll have to pay for repairs out of pocket.
Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object other than a live animal. If your insurance company considers your vehicle to be a total loss, it will issue you a check for the actual cash value of your car, minus your deductible, instead of estimating repair costs. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. If the cost of repairing the damage exceeds the actual cash value of the car, the car is considered a total loss.
If you have a preferred body shop whose estimate is higher than that of insurance appraisers, consider connecting the shop to your insurance company.
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