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.

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 .

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 …

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.

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).

How do comprehensive deductibles work? Your comprehensive deductible is the amount you agree to pay to repair or replace your vehicle when you file an approved comprehensive claim. For example, imagine you have a $400 comprehensive deductible, and you file a claim for $1,000 worth of damage after a tree falls on your car. If your claim is ...

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 ...

Comprehensive & collision: Lenders typically require comprehensive coverage and collision coverage to make sure the vehicle can be repaired or replaced if it's damaged or totaled. However, they're not legally required by any state.

Comprehensive is the only coverage that can cover car theft or damage to your car caused by theft or break-in. How does insurance cover a stolen car? Here's how insurance can cover car theft scenarios: Stolen vehicle that's not recovered: Auto comprehensive coverage may cut you a check for the car's actual cash value (ACV), minus your deductible.

If you have comprehensive car insurance coverage, but not collision coverage, then UMPD is worth considering so you're at least covered for vehicle damage caused by uninsured drivers. Pro tip: Even if you don't believe you need UMPD, you should still consider uninsured motorist bodily injury coverage (UMBI).