Comprehensive auto insurance coverage will pay for all direct and accidental losses not caused by an automobile accident to your insured vehicle or to a vehicle damaged by you, including its equipment. This coverage can also carry a deductible, which is the amount that you would have to pay out of pocket before your insurance picks up the rest.
* For example, comprehensive coverage pays for damages caused by:
- Contact with a bird or animal
- Falling or flying objects
- Theft or larceny
- Hail, water or flood
- Malicious mischief or vandalism
- Riot or civil commotion
- Breakage of glass
- Explosion or earthquake * Note this is subject to whatever "exclusions" are in your insurance policy.
However, how much your insurance company will pay out does have its limitations. As the actual cash value of your car is the most that this coverage can pay out and possible factors for evaluation may consist of your car's purchase price, age and wear and tear.