What does comprehensive auto insurance typically cover?

Comprehensive auto insurance is specifically designed to cover a variety of damages to your vehicle that are not a result of a collision. This includes incidents such as theft, vandalism, and damages from natural disasters like hurricanes, floods, or hailstorms. Unlike collision coverage, which pays for damages caused by a collision with another vehicle or object, comprehensive coverage protects against a broader range of risks.

While accidents resulting from reckless driving and damage from collisions with other vehicles are significant concerns for many drivers, those situations are typically handled under different parts of auto insurance policies, specifically collision coverage and liability coverage. Comprehensive coverage fills in the gaps left by these other types of coverage by addressing non-collision-related incidents. It is crucial for vehicle owners to consider comprehensive coverage, especially if their vehicle is at risk for theft or if they live in areas prone to extreme weather events.