Comprehensive coverage is protects your vehicle from virtually any possible calamity that may befall it. Comprehensive car insurance coverage will pay you to repair or replace damaged to your vehicle for events such as fire, theft, flood, collisions with animals, vandalism and so on.

Drivers who carry comprehensive coverage will usually also carry collision coverage as a complementary policy, which ensures you will have a more expansive protective umbrella.

There is no legal obligation to carry comprehensive coverage but if you drive a new or mint condition vehicle, a classic or antique, or you lease or finance your vehicle, it is an excellent investment. It’s also important to realize that though your state doesn’t require it, lien holders and banks usually do.

When considering comprehensive car insurance coverage, it is advisable to weigh the actual cash value of your vehicle versus what it will take to comprehensively insure it. If the insurance is going to cost more than the ACV then it is probably bet to pass on comprehensive coverage.