What type of damages does comprehensive coverage in auto insurance protect against?

Comprehensive coverage in auto insurance protects against damages resulting from non-collision events. This includes incidents such as theft, vandalism, fire, natural disasters (like floods or storms), and hitting an animal. Unlike collision coverage, which takes care of damages from accidents involving other vehicles or objects, comprehensive coverage offers broader protection for unforeseen circumstances that could affect your vehicle outside of typical driving incidents.

This type of coverage is essential for providing financial protection against a variety of risks that are not related to the actual act of driving or collision with another vehicle. Therefore, having comprehensive coverage helps ensure that you are not left with substantial out-of-pocket expenses in the event of these unexpected incidents.