What does comprehensive insurance cover?

Does it provide coverage if I hit another vehicle, if my vehicle is damaged in a hit-and-run, or if an uninsured motorist hits me? If i'm injured, would it cover my medical expenses?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Comprehensive insurance
only covers physical damage to your vehicle that’s caused by a covered peril. This often includes vandalism, theft, hail damage, tree damage, or collisions with animals.
If you hit another vehicle and are at fault, your
bodily injury liability
would cover any of the other driver’s injuries. Your
property damage liability
would cover any damage to their vehicle.
If your vehicle is damaged in a hit-and-run, you may be able to submit a claim through your
uninsured motorist coverage
. You’d use the same coverage if an uninsured motorist hits you in an accident.
In any scenario where you’re injured and at fault, you’d need
medical payment coverage
or health insurance. “
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings