Comprehensive auto insurance covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, fire, falling objects, and natural disasters like floods or hail. This type of coverage is often required if you are financing or leasing a vehicle, and it provides protection for a wide range of non-accident-related damages.

While comprehensive insurance is not required by law, it is highly recommended for those who want to protect their vehicle from unexpected events. It can be especially useful for people living in areas prone to natural disasters or high rates of theft or vandalism.