What does a "comprehensive" auto insurance policy cover?

A comprehensive auto insurance policy primarily covers non-collision-related damages to the insured vehicle. This type of coverage is designed to protect the vehicle from a variety of risks not associated with direct collisions. It typically includes protection against events such as theft, vandalism, natural disasters (like floods or hurricanes), falling objects, and animal strikes.

Recognizing the broad scope of what comprehensive insurance covers helps vehicle owners understand its importance as a safeguard against unpredictable and potentially costly damages. It's essential for those who live in areas prone to specific risks or for owners of high-value vehicles. As such, choosing comprehensive coverage can provide peace of mind by ensuring that the vehicle is protected from a wide array of potential harms outside of traffic accidents.