Which type of coverage protects against damages from theft, vandalism, or natural disasters?

Comprehensive Coverage is the type of insurance that protects against various damages that are not a result of a collision, specifically theft, vandalism, fire, or natural disasters. This coverage is designed to safeguard the vehicle against risks that occur outside of everyday driving, providing financial protection when the insured vehicle is damaged by external factors.

For example, if your car is stolen or if it's damaged by a falling tree during a storm, comprehensive coverage would help cover the repair or replacement costs associated with such events. This is distinct from liability coverage, which only covers damages you may cause to other people or their property, and collision coverage, which only addresses damages resulting from an accident involving your vehicle. Uninsured/Underinsured Motorist Coverage considers situations where the other party does not have adequate insurance, which is unrelated to theft or natural disasters. Therefore, the clear role of comprehensive coverage is to provide protection for damages stemming from non-collision related incidents, making it the correct choice for this scenario.