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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.. Comprehensive coverage: Required by car lenders Comprehensive car insurance coverage protects your vehicle against damage caused by an event outside of your control, including theft, vandalism,.