What does comprehensive coverage protect against?

Comprehensive coverage is designed to protect against losses that are not the direct result of a collision with another vehicle. It specifically covers damages due to a variety of non-collision incidents, such as theft, vandalism, fire, weather-related events like hurricanes or floods, and animal strikes. This means that if your vehicle is stolen or damaged due to a natural disaster, comprehensive coverage will help cover those costs, making it an essential part of a personal auto insurance policy for protecting against situations beyond typical vehicle accidents.

Other options, such as accidents involving another vehicle or damage during a collision, fall under collision coverage, while liability for injuries to other drivers is related to bodily injury liability, neither of which aligns with the protective scope of comprehensive coverage.