With Comprehensive coverage, your insurance company pays for damage to your ATV caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your ATV is flooded or stolen, Comprehensive coverage will apply. You choose the Comprehensive deductible that's right for you.
Comprehensive coverage also pays for damage to the custom parts and equipment (CPE) and accessories you have permanently attached to your ATV. You simply choose the dollar amount of CPE that fits your ATV.