What does the Comprehensive coverage include as part of its terms?

Comprehensive coverage in automobile insurance primarily includes protection against events that are not a result of a collision. One of the key components of this coverage is vehicle theft. If a vehicle is stolen, comprehensive coverage provides financial compensation to the insured for the loss, often up to the vehicle's actual cash value. This aspect of comprehensive insurance aims to protect policyholders from the financial burden of losing their vehicle due to theft or other non-collision incidents, such as vandalism or natural disasters.

In contrast, liability coverage is designed to cover damages or injuries to third parties when the insured is at fault in an accident, making it separate from comprehensive coverage. Accidental damage coverage typically refers to specific incidents that may not fall under comprehensive terms, such as collision-related damage, which is covered under collision insurance. Coverage for intentional acts is generally excluded from standard insurance policies, as insurance is meant to cover unforeseen accidents rather than deliberate actions.