Comprehensive Insurance is the type of automobile insurance which cover your vehicle from physical damage caused by anything but collision. This insurance would cover your vehicle if it was destroyed by natural disaster (tornado, flood, hail etc.), dented by run-in animal (deer), vandalism (spray painted), theft and so on. Comprehensive can be used in combination with other coverage or as a standalone coverage. 

Comprehensive insurance often offers with a reasonably priced coverage with low deductible.With comprehensive insurance, you can claim for accidents you caused. It also applies if fault can't be proven. For example, your car got hit and the driver run off in the parking lot. If you don't have comprehensive cover, you have to repair your vehicle with your own pocket. Comprehensive policy gives you additional protection that you don't necessarily have to pay for expensive repairs.

The three components of automobile insurance policy are liability insurance, collision insurance and comprehensive insurance. In U.S state law requires drivers to have liability insurance, but collision and comprehensive insurance are optional. Comprehensive cover is the highest level of cover if someone take motor insurance in the United Kingdom. Comprehensive cover has gone cheaper in recent years than 'Third Party, Fire and Theft' cover. People in UK who take comprehensive cover are not only covered for third party claims after an incident, they are also covered for damage caused to their vehicle.

If you own an older vehicle or prefer to self-insure, you might not need comprehensive insurance. However, if you live in a rural area where collisions with animals are often occur, or you live in an area with unpredictable weather (stormy with much hail), in addition you live in a town where theft or other crime occur regularly, I suggest that you purchase comprehensive insurance, so you could have peace of mind.