Comprehensive Coverage Coverage for vehicle damage from theft, weather, fire, and everything except a collision

Comprehensive coverage (sometimes called "other than collision" or OTC) pays for damage to your own vehicle from non-collision events: theft, vandalism, fire, hail, floods, hurricanes, falling trees, animal strikes, and windshield damage. It is legally optional in all US states, but virtually all auto lenders and leasing companies require it on financed or leased vehicles. Comprehensive carries a separate deductible, typically $100–$1,000 — higher deductibles lower your premium. In high-risk states, comprehensive is especially critical: hurricanes in Florida and Texas, hail in Texas and Colorado, wildfires in California and Arizona, and flood risk in low-lying metro areas. Comprehensive does not cover collision damage — that requires separate collision coverage.