What type of Own Damage Coverage would cover damage to the automobile caused by impact with a domestic or wild animal?

Comprehensive coverage is designed to protect policyholders against a wide range of damages not caused by a collision with another vehicle. Specifically, it includes losses due to non-collision incidents, such as theft, vandalism, natural disasters, and impacts with animals—both domestic and wild. This type of coverage is essential for drivers who live in areas where animal encounters are more common, as it ensures that they are financially protected in the event of such an impact.

In contrast, collision coverage is focused solely on incidents where the vehicle collides with another vehicle or an object, and therefore would not apply to damage caused by hitting an animal. Specified peril coverage only protects against specifically named risks outlined in the policy and may not include animal collisions unless explicitly stated. Lastly, while both collision and comprehensive coverages together provide extensive protection, they are categorized separately and each serves a different aspect of potential damage. Therefore, comprehensive coverage is the appropriate choice for protecting against damage from animal impacts.