We used to have a $1M umbrella policy that required that the liability coverage on our vehicles be pretty high (I think over $250,000 per incident, maybe $300K). Even when we dropped the umbrella policy, we kept the auto insurance limits high. It has come in handy when I drove for Girl Scouts or school field trips since certain organizations require that you prove that you have certain policy limits. Plus insurance in Idaho is so stinkin' cheap, we found it difficult to justify trying to lower the limits.
Yes, both of our vehicles still have comprehensive (with $500 deductibles). You, of course, know about hubby's car hitting a deer. The insurance company said the car was worth no more than $2000 (they were being generous) so that's the amount of the check they sent us. We paid $2600 to repair the car (it looks gorgeous) - which included a few cosmetic fixes it needed aside from the accident (like a new windshield) - and it is still insured, including comprehensive! If it gets hit again, it is covered. We figure it cost us $600 to get the car back which saved us $20,000 for the replacement car that we would have bought.
Note: Because we've been with Progressive so long, we have accident forgiveness (this accident doesn't count since they determined he was not at fault). The last time hubby got into an accident (rear ended someone in the rain), not only did they fix both cars, our premiums went DOWN. I keep looking at the numbers and keeping the comprehensive on a old, inexpensive, paid-off car still makes sense to us. As a matter of fact, we added glass coverage.