Comprehensive coverage is insurance that covers damage not related to a collision. This coverage could refer to damage caused by theft, broken glass, floods, fires, hail, or any other natural disaster. Comprehensive coverage doesn't cover damage that occurs as a result of a car accident. Instead, collision coverage applies to damage caused by vehicle accidents.
Nor does it cover normal wear and tear on parts (including belts or brakes), flat tires, or broken windshield wipers. Comprehensive coverage is also not used to cover medical bills that result from injuries sustained in an accident. First, you can choose the right level of coverage by considering your state's insurance requirements and creditors' insurance requirements.