Which coverage typically protects against theft and vandalism in auto insurance?

Comprehensive coverage is the type of auto insurance that protects against theft and vandalism. This coverage is designed to address damages that are not the result of a collision with another vehicle. It includes protection for events like theft, vandalism, natural disasters, and other incidents not caused by a car accident.

In the context of insurance policies, comprehensive coverage allows policyholders to file claims for damages incurred due to factors beyond their control, ensuring they are financially protected against losses resulting from these types of incidents.

Liability coverage, on the other hand, is primarily for damages you cause to other people and their property in an accident. Collision coverage refers specifically to damage to your own vehicle from a collision with another vehicle or object. Personal injury protection covers medical expenses for injuries sustained by the driver and passengers, but does not provide protection against vehicle theft or vandalism. Thus, comprehensive coverage is the appropriate type of insurance for theft and vandalism.