Which auto insurance coverage helps if your car is damaged by theft or natural disasters?

Comprehensive coverage is designed to cover damages to your vehicle that are not the result of a collision with another car. This includes incidents such as theft, vandalism, natural disasters like floods and hurricanes, fire, and other non-collision-related events. By providing financial protection against these risks, comprehensive coverage helps ensure that you're not left with significant repair or replacement costs due to unforeseen events.

In contrast, collision coverage specifically addresses damages from accidents involving other vehicles or objects, while liability coverage pertains to responsibilities for damages you may cause to another person's property or injuries. Personal injury protection focuses on medical expenses and lost wages resulting from auto accidents, rather than vehicle damage itself. Therefore, comprehensive coverage is the appropriate option when considering protection against theft and natural environmental occurrences.