In order to understand what comprehensive car insurance covers, we must first understand what it is

What does it mean to have all-inclusive protection?
When you’re involved in an accident that isn’t caused by a collision, comprehensive coverage helps to cover the cost of repairs to your vehicle. Theft, vandalism, hail, and hitting an animal are all covered under a single policy. Comprehensive coverage, for example, would pay for damage caused by a collision with a deer while driving. While comprehensive coverage does not apply if you swerve to avoid the deer and hit a tree, collision with an object coverage does.

You can add comprehensive coverage to your policy if you wish to protect your vehicle. For comprehensive, you don’t have to choose a limit. The maximum amount it will pay is based on the vehicle’s actual cash value. Your chosen deductible must be paid by you.

What exactly does “complete” mean?
Damages to your vehicle are covered under comprehensive coverage in certain circumstances. Other than collision coverage is another name for it. That’s all it means: It may cover damages to your car that collision coverage does not. Among the possibilities are, but is not restricted to:

Breakage of glass as a result of theft
Hailstorms and fire floods
Hitting a creature
Is there any damage that isn’t covered by full coverage?
Damages resulting from a collision with another vehicle or object are not included in comprehensive coverage. Collision insurance covers these incidents. You won’t be covered for normal wear and tear on your car, either. the items that are expected to wear out over time from regular use, such as

Hoses and belts
Disc brakes and tires.
Collision vs. Comprehensive: Which is better?
Damages to your car that result from an accident may be repaired with the help of your comprehensive and collision insurance. Both policies impose a deductible that must be met before the insurance will begin to pay for the damage. There are different types of coverage depending on the circumstances.

When the following conditions are met:

A deer runs into your car.
Your car is stolen.
A hailstorm damages your vehicle.
When there is a collision:

Trying to avoid a dog, you veer into a fence.
An accident occurs when another vehicle runs into yours.
Damage to the vehicle is the only loss you have.
For what reasons should you opt for full coverage?
All the bases are covered:

Can be used regardless of who is to blame
Repairs are covered above your deductible, so you’re not on the hook for the entire bill.
Most lienholders expect you to have this coverage in addition to your collision insurance. This safeguards their financial stake in the automobile.

Exactly what is a full deductible?
Before the insurance company begins to pay for damages, you have agreed to a comprehensive deductible. Think of it as how much of a financial risk you’re willing to take on in the event of an accident. In general, the lower your insurance premiums will be, the higher the risk you’re willing to accept (hence, the higher the deductible). The higher your insurance costs are, the lower your risk (lower deductible) is.

Suppose a hailstorm has hit your area and your car has sustained $1,000 worth of damage. Comprehensive coverage has a $100 deductible. Initially, you’ll be responsible for the first $100 of the repair bill, but your insurance company will pick up the remaining $900. Your car may not be worth as much as you think, so you may want to think about whether you really need comprehensive coverage.