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This optional coverage pays for damage to your auto caused by perils other than a collision. This includes fire, theft, hail, vandalism, riots, damage caused by animals, and glass breakage. There are various deductible options that you can select for this coverage.

Keep in mind that not every non-collision related loss is covered under Comprehensive. For instance, your damages are not covered if they are caused by wear and tear, freezing, mechanical breakdown or road damage to tires by potholes. Also, certain property such as tapes and compact disks are not covered. Finally, make sure to notify your insurance company of any customization you do to your vehicle after it is purchased or it may not be covered.

Note that sound equipment like CD players, AM/FM cassettes, and TV's are covered under your auto policy if they are permanently installed.

This optional coverage will pay for damage to your auto regardless of who causes the accident. Collision Coverage applies if your auto is hit by another vehicle or if your auto hits other objects that cause damage to your vehicle. There are various deductible options, which you can select for this coverage.