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Texas insurance glossary

Comprehensive coverage

Comprehensive coverage pays for damage to the insured’s own vehicle from causes other than collision, such as theft, hail, fire, flood, vandalism and animal strikes.

Sources checked

On the Gulf coast it is the coverage that answers for a hailstorm and for a flooded car, which surprises owners who assume a flood policy is somehow involved. It carries its own deductible, separate from the collision one.

Several policy forms call it other than collision, which is the more accurate name and the one worth recognizing on a declarations page.

Glass is the common special case: whether a windshield claim carries the same deductible depends on the form and any endorsement attached to it, which is a question for the policy rather than for a definition.

Sources: TDI — automobile insurance guide (CB020); TDI — home insurance glossary. Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Collision coverage Collision coverage pays to repair or replace the insured’s own vehicle after it hits another vehicle or an object, or overturns, whoever was at fault.
  • Deductible A deductible is the amount of a claim the policyholder keeps: the insurer pays the covered loss above it, and nothing at or below it.
  • Full coverage Full coverage is a market phrase rather than a policy: it usually means liability plus collision and comprehensive, and no policy sold in Texas covers every loss.
  • Salvage title A salvage title is the Texas ownership document for a vehicle damaged badly enough that its repair cost approaches its value, or brought in on an out-of-state salvage document.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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