Definition
Comprehensive Coverage refers to the portion of a Texas auto policy that pays to repair or replace the insured's own vehicle after non-collision damage. Covered events typically include theft, fire, vandalism, flooding, hail, falling objects, glass breakage, and collisions with animals. Comprehensive is especially relevant in Dallas-Fort Worth because Texas regularly ranks among the top three states for hail claims — a single severe storm can produce thousands of cosmetic and structural damages requiring new roofs, hoods, and glass. Comprehensive coverage is subject to a deductible, commonly $500 or $1,000, that the insured pays out of pocket before the policy responds. It is not required by Texas law, but lienholders almost always require it alongside collision on any financed or leased vehicle. Comprehensive is sold only together with a full-coverage policy and cannot be added to a liability-only policy.
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