What does comprehensive car insurance cover?

Comprehensive car insurance covers your vehicle for repair or replacement costs due to: Car theft. Civil disturbances, like a riot. Crashing into an animal, such as a deer. Damage caused by rodents. Falling objects, such as a tree limb. Fire and explosions. Floods. Severe weather, like hail or a hurricane. Vandalism. Windshield and glass damage.

Is comprehensive insurance optional when you pay off a car?

When you pay your car off, comprehensive coverage becomes optional. Comprehensive insurance covers the costs of damage to your vehicle that isn't the result of a collision. In the industry, it's sometimes known as "other than collision" coverage.

Does comprehensive insurance cover damage to a car?

Unlike liability coverage, comprehensive coverage covers damage to your car. There are no coverage limits to comprehensive insurance. Instead, you’re covered up to your car’s actual cash value. “Actual cash value” is a term that means your car’s value at the time of an accident, taking into account its age and any wear and tear.