Which coverage protects individuals against automobile damages or losses other than collisions?

Comprehensive coverage is designed to protect individuals against damages or losses to their vehicles that are not the result of a collision. This type of coverage includes incidents such as theft, vandalism, natural disasters, falling objects, and hitting an animal. By covering a broad range of potential risks that can damage a car aside from car accidents, comprehensive coverage provides a valuable layer of protection for vehicle owners.

Liability coverage refers specifically to financial responsibility for damages or injuries to others resulting from an accident for which the policyholder is at fault. This does not cover the policyholder's own vehicle. Collision coverage, in contrast, specifically addresses damages to a vehicle resulting from a collision with another vehicle or object. Personal injury protection focuses on medical expenses and lost wages due to injuries sustained in an auto accident, rather than vehicle damages. Therefore, comprehensive coverage is the best choice for protecting against various non-collision-related damages.