What is the purpose of comprehensive insurance?

Comprehensive insurance is specifically designed to cover a range of risks that are not related to collisions. This includes protection against theft, vandalism, natural disasters, and other events that can result in damage to a vehicle while it is not in motion or outside of an accident scenario. This type of coverage helps vehicle owners manage financial losses due to unpredictable incidents that would not be addressed by standard collision insurance.

The other options focus on specific situations or aspects of insurance that are not encompassed by comprehensive coverage. For instance, covering medical expenses pertains to health insurance or personal injury protection rather than comprehensive auto insurance. Collision damages are typically covered by collision insurance, which is distinct from comprehensive coverage. Lastly, covering property damage to others relates to liability insurance, which protects against claims for damages to another person’s property. Thus, comprehensive insurance is best understood in the context of its broad coverage for theft and similar risks.