Auto Insurance

Your own auto policy usually extends to US rentals, and many credit cards add coverage.

Comprehensive covers flood damage to your vehicle (unlike homeowners insurance).

Hitting a deer is covered by comprehensive (not collision), minus your deductible.

Comprehensive covers a broken windshield, and glass repair is often deductible-free.

Comprehensive covers vandalism — keyed paint, slashed tires, broken windows — minus your deductible.

Car insurance covers theft of the car and its parts; personal items inside are a home/renters claim.

Comprehensive covers a stolen car and pays its actual cash value minus your deductible.

Comprehensive covers hail damage minus your deductible; liability and collision do not.

Collision covers crashes; comprehensive covers theft, weather, and vandalism.

‘Full coverage’ is really liability + comprehensive + collision — what each part pays, and what it doesn’t.