What type of coverage applies when a car is damaged by an object falling from the sky?

When a car is damaged by an object falling from the sky, the type of coverage that would respond to this situation is other-than-collision coverage, often referred to as comprehensive coverage. This type of coverage is designed to protect against damages to a vehicle that are not the result of a collision with another vehicle or object.

Other-than-collision coverage includes events such as hail, falling objects, fire, theft, vandalism, and natural disasters. In this scenario, the falling object - which could potentially be debris from an aircraft, a meteorite, or any other item that is not part of a vehicle - fits perfectly within the parameters of comprehensive coverage.

Liability coverage is primarily concerned with damage caused to others or their property in an accident for which you are at fault and does not cover damage to your own vehicle. Collision coverage would only cover damage resulting from a collision with another vehicle or object. Personal injury protection is focused on medical expenses and does not relate to property damage caused by falling objects. Hence, other-than-collision coverage is indeed the most suitable protection in this case.