Comprehensive Coverage protects you if you hit an animal.

However, your vehicle damages are the only things covered; you will have to pay for your own medical bills unless you have (PIP). What else is covered?

Comprehensive Coverage -also know as Protection against Loss to the Auto �same as above but this name includes both coverages�- main features are:

- First Party Coverage

- No Fault based

- Deductible Applies

- No Limits on amount of coverage

Comprehensive is the catchall coverage. Here is where insurance companies provide for coverages that the Collision Coverage excludes. It is usual to see definition of comprehensive as �anything that is not a collision�.

Comprehensive Coverage is a no fault provision in the policy; this means that your insurance company will pay soon after learning about the loss.

In addition, the insurance company will have a separate deductible for this type of loss. The deductible is much lower than the collision deductible (up to 50%). I would say that having Comprehensive Coverage is rather inexpensive and if you are getting Collision, then you should have this coverage as well.

Comprehensive Coverage often times is sold together with Collision Coverage. Some Insurance companies will not let you get one or the other. Some will let you have collision and not Comprehensive Coverage and viceversa. If you have a vehicle that you have parked somewhere (if you drive it, then liability coverage is required by law), and you cannot afford not to have insurance on it (i.e. custom vehicle�s or antiques), then having comprehensive alone is enough. Why?

Comprehensive covers you against fire, theft or larceny, vandalism, Acts of God (hail, snow, flooding, lightning, etc.), falling objects (like trees), and riots or commotion. It also protects you for collisions with animals (deer, dogs, cats, birds, cattle, etc), something that is excluded in the Collision coverage.

Comprehensive loss -- Falling object.

Insurance companies are split regarding the issue of rock ships cracking your windshield. Some carriers call it a collision, some call it comprehensive, and some will let you choose the one that has the lower deductible (about time they give the consumer a freebie). However, some companies are excluding rock ships all together from their policies.

You need to read your police carefully to find out which protection you have under the Comprehensive Coverage section(see more on how to read your policy). Just keep in mind that most insurance companies will caught a deal with you. If you decided to get a brand new windshield, they will pay for that minus your deductible. If you just let them fix your windshield by going through a glass repair facility, they will pay the entire amount (free to you). You just have to ask (or read your policy).

Read More About Comprehensive Coverage on Page 2 of this article.

Comprehensive Coverage can cover your towing and storage charges, so why pay for towing coverage? Read more.

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