Comprehensive coverage, like Collision, is optional. It protects your car against loss or damage resulting from something other than a collision or your policy' exclusions. Comprehensive coverage usually applies in the case of loss or damage from falling or flying objects, theft and vandalism.
What are exclusions? Exclusions usually include, but are not limited to, mechanical fracture or breakdown, rust, corrosion, wear and tear, and freezing.
There is usually a deductible.
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