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Personal Auto
Comprehensive Coverage
Also known as: other-than-collision · comp
Coverage for damage to your vehicle from causes other than a collision — theft, vandalism, fire, weather, animals.
Comprehensive (sometimes called 'other-than-collision') covers damage to your own vehicle from non-collision events: theft, fire, vandalism, hail, falling objects, animal strikes, flooding, glass breakage. It's optional unless required by a lender. Deductibles typically range from $250 to $2,500 — higher deductibles meaningfully lower the premium.
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