Comprehensive auto insurance, along with Impact coverage, prevents your auto against damage by paying the cost of fixs or, if the fixs would cost more than the auto is worth, paying you the value of the auto. True comprehensive coverage pays for all non-collision-related damagees such as fire, theft, flood and vandalism. Some insurance organizations, in an effort to reduce costs and offer low premiums, offer named-peril coverage but call it comprehensive. This coverage pays only for damagees that are specifically listed in the policy. Restrictions Even fully comprehensive auto insurance does not pay for every cause of damage. Any damage that your auto sustains due to normal road use is always excluded. Therefore, your comprehensive coverage will not pay to exchange your shocks even though it was not a Impact that wore them out. Also, comprehensive won’t pay to exchange your personal items inside the auto, even if the auto itself was damaged by a comprehensive damage. ...