What Does Comprehensive Auto Insurance Cover?

Car insurance paperwork

What does comprehensive auto insurance cover? If you’re getting ready to purchase your next new car, it’s something you’ll want to know. Comprehensive auto coverage protects against damage to your car that has not resulted from a collision. If your vehicle is lost, stolen, vandalized, or hit by a falling object, drivers who make a comprehensive claim can have their insurance company pick up the tab. In most cases, comprehensive auto insurance will also cover a cracked or broken windshield and other forms of glass damage. Learn more about what comprehensive auto insurance covers below, and contact Byers Collision Center near New Albany if you have any questions.

What is Comprehensive Coverage?

So, what is comprehensive coverage? Let’s take a closer look at what comprehensive auto insurance covers. While insurance details may vary by provider, here’s what you can generally expect:

  • Vehicle theft
  • Windshield/glass damage
  • Vandalism, fire, explosions
  • Falling objects like trees
  • Storms, wind, floods, lightning, earthquakes, and hail damage
  • Hitting a deer/other animal-related accidents

Keep in mind that if you swerve to avoid hitting a deer on the road and end up hitting a car or a tree, this would be covered by collision insurance instead.

How Does Comprehensive Insurance Coverage Work?

Now that you can answer the question, “What does comprehensive auto insurance cover?”, let’s discuss how it works:

  1. Your car acquires covered damage: Let’s say a tornado causes $5,000 worth of damage to your vehicle.
  2. You file an insurance claim: You’ll need to file a claim to get coverage. This will depend on your provider, but typically, you can file online, by phone, or via a mobile app.
  3. Take your vehicle in for repairs: If you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket for the damage, and your insurance will cover the remaining $4,000 worth of damage.

Comprehensive vs. Collision Insurance

What is the difference between comprehensive coverage and collision coverage? Many drivers in Pickerington and beyond mix up the two. While both types of insurance cover your vehicle, they cover different events.

  • Collision insurance specifically covers car accidents.
  • Comprehensive insurance covers events that are outside of your control.

If the incident doesn’t involve an actual car accident, comprehensive car insurance will likely cover the damage. As noted, the one gray area is an animal collision. Depending on whether a collision is involved in the incident, this may fall under either collision or comprehensive insurance coverage.

Rely on Byers Collision Center for Your Repair Needs

What does comprehensive auto insurance cover? If you have more to learn about coverage, contact us at Byers Collision Center near Gahanna, or continue your research. If you don’t have much time to research, our team is happy to walk you through your options and answer your questions. You can also schedule your next repair online.


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