What does comprehensive auto insurance cover?

Comprehensive auto insurance is designed to cover damages to a vehicle that are not the result of a collision. This means that the coverage includes various non-collision incidents such as theft, vandalism, natural disasters (like hail or floods), fire, and hitting an animal. The purpose of comprehensive coverage is to provide financial protection against a wide range of potential risks that may harm the vehicle outside of typical accidents.

This distinguishes comprehensive coverage from collision insurance, which specifically addresses damages resulting from collisions with other vehicles or objects. Therefore, the correct choice correctly identifies the broad protective scope of comprehensive insurance for situations that do not involve direct accidents.