What does comprehensive coverage typically include?

Comprehensive coverage is designed to provide protection against a variety of non-collision incidents that can result in damage to your vehicle. This includes events such as theft, vandalism, natural disasters like hurricanes and floods, and damage from animals. The key point is that comprehensive coverage addresses situations that are out of the driver's control, rather than accidents that occur as a result of a vehicle collision.

Options that suggest only collision damage, such as limiting coverage to collision incidents or protecting against bodily injury claims or legal fees, do not accurately represent the scope of comprehensive coverage. This type of insurance specifically fills the gap by covering damages not related to a direct collision, reinforcing its role as a crucial part of a well-rounded auto insurance policy.