comphesive coverage

Comprehensive helps cover damage to your car that's not the result of a collision, such as:Theft,Vandalism,Fire,Natural disasters (like a hurricane or a tornado),Falling objects, Damage done to your car by animals, A civil disturbance (like a riot that results in damage or destruction of your car)

你这个只能往 natural disaster 上靠。但因为有使用不当的因素，保险公司没那末容易就认了。