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Comprehensive insurance is defined as coverage for non-collision-related damage to your vehicle, which is why it's sometimes called "other than collision" coverage. " Full coverage," on the other hand, is an. Comprehensive vs. collision insurance: What's the difference? Comprehensive and collision are both optional coverages that protect your vehicle, but they differ in the type of incident they cover.. Learn more about comprehensive car insurance coverage from Progressive, including how it works, what it can cover, and additional benefits. What is comprehensive auto insurance coverage? Comprehensive coverage is an optional coverage. Though it's optional, auto lenders may require you to carry comprehensive when leasing or financing. When does insurance cover windshield replacement? In most cases, you need to carry comprehensive coverage for your car insurance policy to cover a cracked or broken windshield and other types of.