Which insurance covers damages caused by non-collision incidents?

Comprehensive insurance is designed to cover damages to your vehicle that are not the result of a collision with another vehicle or object. This type of insurance typically includes coverage for a variety of non-collision incidents such as theft, vandalism, natural disasters, falling objects, or hitting an animal. It provides financial protection for unexpected events that can cause damage to your car, ensuring that you are not solely responsible for the costs of repairs or replacement in these situations.

The other types of insurance mentioned are focused on different coverage areas. Liability insurance is primarily aimed at covering damages and injuries you cause to other parties in an accident. Collision insurance, on the other hand, specifically covers damage to your vehicle resulting from a collision with another vehicle or object. Personal Injury Protection is focused on medical expenses and related costs for you and your passengers in the event of an accident, regardless of who is at fault.