Comprehensive Coverage, a type of Physical Damage Coverage, insures your car in the event of theft, fire, falling tree or debris, hail, and any other causes aside from collisions. Additionally, a Comprehensive Coverage is sometimes used by insurance carriers as a prerequisite for a collision coverage.
While Physical Damage Coverages are optional, getting full coverage for you and your vehicle is a recommended safety precaution. Vehicular damages are costly and more so without insurance. Know the Illinois auto insurance requirements to help you decide whether to get this added premium or not.