Comprehensive and collision coverage are both equally important for protecting your vehicle from physical damage. You should ultimately choose the coverage that's right for your budget and needs. Note that some insurers may require you to buy comprehensive and collision coverage together, rather than just buying collision coverage separately.

When comprehensive applies: If your windshield is damaged as a result of falling debris, hitting a deer or animal, or other perils, then comprehensive coverage generally covers the cost to repair or replace it. When collision applies: If your windshield is damaged in a car crash, collision coverage typically covers the damage instead of ...

Progressive Comprehensive Auto Coverage. Comprehensive coverage pays for damage to your vehicle caused by events outside of your control, such as hail strikes, fallen branches, and animal collisions. Comprehensive is not legally required in any state, but it may be required by your lender if you're leasing or financing your vehicle.

Is RV comprehensive and collision coverage required? Comprehensive and collision coverages aren't required by state law for motorhomes or travel trailers. However, if you finance or lease your motorhome or travel trailer, most lenders require comprehensive and collision coverage. If you hold the title or your RV is paid off, it's up to you if ...

Comprehensive insurance is defined as coverage for non-collision-related damage to your vehicle, which is why it's sometimes called "other than collision" coverage. " Full coverage ," on the other hand, is an ambiguous term often used to refer to both comprehensive and collision coverage, plus any other coverage your state mandates .

Liability covers injuries and damage you may cause to others on the road, and it's required by law in most states. "Full coverage" auto insurance, while not a real insurance coverage, could include all state-required coverages like liability plus coverage for damages to your vehicle (typically via collision and comprehensive coverage).

Comprehensive can cover a variety of water damage, including flooding, heaving rains, and hailstorms. In addition to water damage, comprehensive covers other types of storm damage . If a falling branch damages your windshield or windows during a storm, or if hail puts dozens of dents in your vehicle, comprehensive may pay to repair the damage.

Comprehensive coverage may also pay to repair or replace a damaged windshield from a falling tree limb or to repair structural damage to a car caused by a collapsing garage. Other damage that often comes with tornadoes, such as dents from hail or burn damage from a lightning strike, may be covered as well under your policy's comprehensive coverage.

Yes, comprehensive coverage on your auto policy can cover vandalism to your car — minus any deductible — since intentional damage to your vehicle is out of your control. Vandalism includes slashed tires, broken windows, and any type of defacing of the vehicle, like a car that gets keyed.

Collision, comprehensive, uninsured motorist, and personal injury protection coverages all typically have a car insurance deductible. You typically have a choice between a low and high deductible. A low deductible means a higher car insurance rate, whereas a …