What does comprehensive insurance typically cover?

Comprehensive insurance is designed to provide coverage for a wide range of risks that can result in damage to your vehicle, specifically those that do not involve a collision with another vehicle. This includes incidents like theft, vandalism, natural disasters (such as floods or hurricanes), falling objects, and damages caused by animals.

By opting for comprehensive coverage, policyholders protect their vehicles against various potential threats outside of accidents with other vehicles. This makes it a crucial component of a well-rounded personal auto insurance policy, especially for individuals who want to mitigate the risks of unforeseen incidents that could result in vehicle loss or significant repair costs.

The other options do not encompass the full scope of coverage that comprehensive insurance provides, with the focus on collision damages or personal injury claims characterizing different types of coverage that are not included under comprehensive insurance.