Which type of coverage in a personal auto policy includes damages from theft, flood, and riots?

Comprehensive coverage in a personal auto policy is designed to protect against damages to your vehicle that are not a result of a collision. This type of coverage includes a variety of events that can cause damage to the vehicle, such as theft, flooding, and vandalism—like damages resulting from riots. It provides broad protection, encompassing a range of risks that can occur outside of a typical driving scenario, differentiating it from collision coverage, which specifically covers damage from vehicle collisions, and liability coverage, which addresses damages the policyholder may cause to another party. Additionally, uninsured motorist coverage protects against damages and injuries caused by drivers who lack insurance, but it does not cover damages to the policyholder’s own vehicle from incidents like theft or flooding. Comprehensive coverage is thus vital for safeguarding your vehicle from non-collision-related incidents.