What is comprehensive insurance for
<p>Let's say someone is in a car accident, and it's determined that both drivers bear some fault in the accident.</p>

<p>The car is declared a total loss by the driver's insurance company. Also, in the accident, a cell phone that was very expensive, say 1000 dollars is damaged beyond repair.</p>

<p>The insured's insurance company is only willing to pay for the car, minus the deductible. They tell the insured that the phone is not their problem.</p>

<p>Is that legal? The car carried complete coverage including comprehensive, collision, etc. but the phone was damaged by the collision.</p>

<p>Comprehensive insurance is generally there to cover repair / replacement for vehicle theft or non-collision damage. There is, additionally, collision insurance which covers losses arising from a collision. The vehicle is what is covered, and not the contents. If you have Valuable Personal Property protection, that may cover the cost of the cell phone.</p>

<p>It's down to the individual policy what they cover but most will generally exclude (emphasis mine):</p>

<blockquote>
  <p>Radios, CD players, navigation systems, and other equipment <strong>not permanently installed in your car</strong></p>
</blockquote>

<p><a href="https://www.tdi.texas.gov/pubs/consumer/cb020.html" rel="nofollow noreferrer">Source</a></p>

texas insurance accident