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Quick Summary

Comprehensive insurance is a type of motor vehicle insurance that covers damage to your car from events other than collisions. This can include incidents like fire, theft, vandalism, or natural disasters.1

It is a contract where an insurer agrees to take on the risk of financial loss you might experience due to damage to your vehicle from these various causes. This coverage is often purchased alongside liability and collision insurance to provide a more complete protection plan for your vehicle.12

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