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Comprehensive coverage, also known as “Other Than Collision” coverage, pays for damages to your car that are a result of covered losses not related to a collision.  Some examples of the perils are:

  • Fire
  • Theft
  • Vandalism
  • Water damage (such as your car going into a river)
  • Falling Objects (tree falling on your car for example)
  • Contact with Bird or Animal  (for instance colliding with a deer that jumped in the road unexpectedly)
  • Glass Breakage (some companies waive deductibles for windshield repairs)
  • Hail
  • Windstorm

You should check with your insurance agent to make sure you know what is included under your comprehensive coverage if purchased, as with all your insurance policies!