What type of insurance is primarily designed to cover physical damage to vehicles?

Comprehensive insurance is specifically designed to cover a range of physical damages to vehicles, including those caused by incidents other than collisions, such as theft, vandalism, fire, and natural disasters. This type of coverage is beneficial because it protects the vehicle against a wide array of potential damages that can occur outside of driving conditions.

While liability insurance is important, it only covers damages caused to other people's property and bodily injury resulting from an accident for which the insured is at fault, but does not cover any damage to the insured's own vehicle. Auto damage insurance might imply coverage related to vehicle physical damage, but it is not a conventional term used within insurance. Property insurance generally covers real estate and personal property but does not specifically address vehicles. Thus, comprehensive insurance remains the best choice for covering physical damage to vehicles.