Comprehensive and Collision Coverage

• Comprehensive coverage is designed to pay for damages to the inside of your vehicle that results from perils other than collision. This includes theft, vandalism, and things that may fall on the vehicle while it isn't in operation. Collision coverage, as the term implies, will pay only for damages sustained in a collision.
  
  

Special Endorsements

• Many insurance companies offer special coverage for high-value stereo equipment, special fixtures, and custom decorations that may exist inside your vehicle. These endorsements usually cover the insured up to a certain dollar limit.
  
  

Uninsured and Under-insured Motorist Property Damage

• If the inside of your vehicle is damaged due to a covered accident with a driver who isn't insured, or with someone who is under-insured, then your uninsured and under-insured motorist property damage coverage will provide payment.
  
  

Covered Incidents

• If the inside of your vehicle has been damaged due to a covered peril, the insurance company is likely to pay. Keep in mind, the final decision will be based on the outcome of the insurance company's investigation of your claim.
  
  

Considerations

• Most insurance companies won't pay for damage caused to the inside of your vehicle by natural disasters, intentional damage caused by the insured, or damage during the commission of a crime by the insured. Likewise, insurance companies don't pay for mechanical breakdowns or damages caused prior to the inception of your policy.