Comprehensive covers glass, theft, fire, vandalism, falling objects, explosion, earthquake, windstorm, hail, water, flood, riots and a bird or animal or a private passenger automobile not used as a public conveyance. Glass loss in Massachusetts carries no deductible unless you request it. If your car is stolen you are allowed to receive "loss of use" coverage to rent a car, however, you must wait 48 hours after you file the loss and the coverage will be suspended as soon as the car is located or your claim is paid.