Comprehensive Auto Insurance

• Comprehensive auto insurance covers damage to your vehicle, or any vehicle that you damage, that is not the result of an accident. This type of insurance is normally not required by state law, but is an add-on to most policies. If the vehicle is being leased or financed, the bank or leasing company will normally require comprehensive coverage.
  
  

Examples of Damage

• Examples of vehicle damage that would typically be covered by comprehensive include: Weather damage such as hail, flood, wind and fire; theft or malicious damage; falling objects such as rocks; contact with animals; and earthquakes or explosions.
  
  

Common Exclusions

• There are common exclusions on comprehensive policies: Intentional damage that is done by family members or employees is not covered, nor are acts of God. Depending on the policy's terms, the contents of the vehicle may not be covered. Read the entire policy to be aware of all exclusions.