What distinguishes comprehensive coverage from collision coverage?

Comprehensive coverage is designed to protect against damages to a vehicle that are not the result of a collision. This includes incidents such as theft, vandalism, natural disasters, and hitting an animal. In contrast, collision coverage specifically addresses damages that occur as a result of an accident, regardless of who is at fault. This means that if a driver collides with another vehicle or objects like trees or guardrails, collision coverage would apply.

The distinction is essential for drivers to understand when selecting their auto insurance policy, as it helps ensure that they have the necessary protection for various types of potential vehicle damage. The other answer choices may contain elements that can be true under certain circumstances, but they do not accurately capture the primary distinction between comprehensive and collision coverage.