Not all damage to your car will happen while you’re in motion. Comprehensive coverage is sometimes called the “other-than-collision” supplement because it covers you for damages that don’t occur because of a car accident.  

Instead, this coverage is an optional insurance ‘extra’ that can protect you from damages that are generally beyond human control: such as a tornado, hurricane, earthquake, flood, fire, hail, collisions with wildlife, vandalism, theft, falling objects, and more. 

Learn more about Comprehensive Insurance: What is Covered and Why to Consider Adding this Protection 

That may depend on a few variables. State auto insurance minimums generally revolve around liability or uninsured coverages so you may not be legally required. 

But if you rent or lease your vehicle, lienholders may still require that you purchase Comprehensive Coverage. 

And of course, whether or not you need it depends on how much coverage you think you should have on the road to protect yourself from major repairs or replacements.  

Many states offer a zero dollar insurance deductible amount for comprehensive coverage. So you may not have any out-of-pocket expenses if your vehicle is damaged – it will vary depending on your specific policy. 

Your comprehensive coverage will probably cost less than other coverages you select.  

Your premium will also be based, in part, on what is determined to be the “actual cash value” (ACV) of your vehicle. Cars that would cost more to replace (you can consider what your car cost to purchase and subtract the car’s depreciation) are naturally more expensive to insure. 

The more informed you are, the more likely you will select the right insurance policies that fit your needs. Check out more posts on Comprehensive Insurance: 

• Comprehensive Insurance: What is Covered and Why Consider Adding this Protection 

• Does Car Insurance Cover Vandalism?