Comprehensive is often paired with collision when a lender requires “full coverage” language in a loan contract. That phrase still isn’t a real coverage name — it usually means liability plus comprehensive and collision at specified deductibles.
Comprehensive
- What it means
- Auto coverage for many non-collision losses to your vehicle — such as theft, vandalism, fire, hail, or hitting an animal — usually subject to a deductible.
- Tennessee example
- Golf-ball hail in East Tennessee dents every panel; comprehensive is the coverage people look to for weather damage like that.
- Why it hits your wallet
- Comprehensive protects the car from many 'not a crash with another vehicle' events that still empty a savings account.