What type of coverage typically applies for damages caused by unforeseen events?

Comprehensive coverage is specifically designed to protect against damages to your vehicle caused by unforeseen events that are not related to a collision. This includes a wide range of incidents such as theft, vandalism, natural disasters, and hitting an animal. The key aspect of comprehensive coverage is that it encompasses various risks that drivers cannot control, thereby providing a broader safety net compared to other types of coverage.

For example, if a tree falls on your car during a storm, comprehensive coverage would cover the damage, whereas collision coverage would only apply in situations where your vehicle is damaged due to a direct impact with another vehicle or object. Similarly, liability coverage is focused on damages you cause to others, and personal injury protection (PIP) primarily covers medical expenses resulting from an accident, rather than damage to physical property. Thus, comprehensive coverage is the most suitable for protecting against unpredictable events that can lead to vehicle damage.