In an auto insurance context, what does comprehensive coverage typically protect against?

Comprehensive coverage in an auto insurance policy is designed to protect against damage to your vehicle that occurs from non-collision incidents. This includes a variety of situations such as theft, vandalism, fire, falling objects, and natural disasters like floods or hail. The key aspect of comprehensive coverage is that it applies to events that do not involve a collision with another vehicle or object. This sets it apart from other types of coverage, such as collision coverage, which addresses damages from crashes involving other vehicles or objects.

This distinction is important in helping policyholders understand the range of protections offered under comprehensive coverage, ensuring they are adequately prepared for unexpected events that can lead to vehicle damage outside of their control.