Comprehensive usually includes everything, including ‘acts of god’. If your car is older and you would either get a new one if it got messed up, or wouldn’t bother to repair minor damage, you might want to just go with liability insurance. Some states have different requirements than others on this. Your insurance company might choose to go after someone else to re-coup their losses, but they should handle your repairs.

Usually yes, though it is subject to your deductible.

Comprehensive coverage gives protection against damages to the insured driver’s vehicle caused by happenings other than collision. They include fire, theft vandalism and the like. Collision coverage covers damages caused to the insured driver’s vehicle due to a collision. You are fully protected only when you buy full coverage auto insurance that will pay for repair costs, medical expenses and the expenses connected with liability law suits when you meet with an accident. Full coverage auto insurance will pay for damages if the accident involves an uninsured or underinsured driver. You can search for online quotes. For more of this you can visit this link http://www.assureinsure.com/article-full-coverage-auto-insurance-24.aspx

The others have explained all that is covered.

But from my experience the most often claimed under comprehensive is hitting a deer. And believe me, the damage a deer can cause to a car is unbelievable and I have seen cars overturned trying to avoid and sustaining bad injuries.

If does not matter if you live in the city or in the country, they are everywhere. In my neighborhood subdivision, I saw a family of 6 crossing a busy road and surprisingly, did not hit any cars.

Another advantage of comprehensive is that they cant DING you since this covers things that you have no control over and usually never considered your fault.

good luck