1. 627 POINTS
    Dan Lyles
    agent, Lyles Insurance, Wheelersburg, Ohio
    comprehensive coverage on a vehicle is coverage for anything other than a collision. this includes things such as theft, vandalism, weather damage, hitting a deer etc.

    the deductible refers to the out of pocket expense you have to pay if you file a claim. for example: let's say you hit a deer, causing $2000 damage to your vehicle..... the insurance company will pay $2000 minus whatever the deductible is. so, in this example, if you have $2000 damage with a $500 deductible, the claim would pay $1500.
    Answered on March 22, 2014
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    If you leave the tailgate up on your Honda Fit and close the garage door on the tailgate that is a comprehensive claim. Your company will direct you to a repair shop. They will repair the car and send a check that requires two signatures, yours and the repair shop. The check will be for the amount of repairs minus your deductible. You will have to pay the deductible to get your car out of the shop.
    Answered on November 7, 2014
  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! Deductible is the word for what insurance companies expect you to pay towards your share of the cost. In their view, if you know that you have to pay before they will, it will act as an incentive for you to be a little more careful. In your auto policy you have a collision part, and a comprehensive part. The comprehensive covers any damage not incurred through a collision. A rock through the window, someone breaking into your car, or a tree falling on it would be examples of comprehensive coverage. In the event of these repairs, you would be expected to pay your deductible, and the company the rest. This is why it is important to not set a deductible higher than what you can safely scratch up, if you need to. I hope that helps, thanks for asking!
    Answered on November 10, 2014
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