Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle by any “unknown party” or "act of god”. Vandalism, flood, hurricane, theft, and fire are
all events usually covered by comprehensive automobile insurance. Like collision automobile insurance, comprehensive coverage will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.
Comprehensive coverage also comes with a deductible which you must pay first before coverage is applied.