What does Other Than Collision (comprehensive) coverage protect against?

Other Than Collision (comprehensive) coverage provides protection against a variety of non-collision-related damages. This includes losses from events such as theft, vandalism, fire, and natural disasters like floods or hailstorms.

Comprehensive coverage is designed to cover incidents that are outside the control of the driver and involve damage to the vehicle that does not arise from an accident involving another vehicle. For example, if a car is stolen or if a tree falls on a parked vehicle during a storm, comprehensive coverage would help cover the damage or loss of the vehicle in these scenarios.

The other options do not accurately represent the scope of comprehensive coverage. For instance, damage from collisions with other vehicles is explicitly covered under collision coverage, not comprehensive. Limiting the coverage to only damages from fire does not encompass the full range of protections provided by comprehensive policies. Lastly, liability for bodily injury pertains to a different aspect of auto insurance and is covered under liability coverage, not comprehensive. Thus, the correct understanding of Other Than Collision coverage is that it guards against a range of risks including theft, vandalism, and natural disasters.