Comprehensive coverage covers damage to your car that is not due to collision, mechanical breakdown or electrical failure. Deductibles are generally $100, $250, $500 or $1000 (sometimes even more). If your automobile is 10 years or older you may choose not to have this coverage because it is expensive to repair older cars so the premiums are high and it is often not worth the cost to repair these vehicles. If the cost of the repair exceeds the retail value of the vehicle you will be paid the value of the car and the car will become the property of the insurance carrier.
