When you are in an accident that isn't related to a collision, comprehensive coverage might help with the cost of repairs to your car. Losses from hitting an animal, hail, theft, and vandalism are all covered under comprehensive coverage. For instance, comprehensive coverage would pay for any damage to your vehicle as a result of striking a deer while driving. However, since this kind of accident is seen as a collision with an object, comprehensive coverage is not applicable if you swerve to avoid the deer and end up hitting a tree.