What type of coverage is typically included in a standard Auto policy?

A standard auto policy typically includes comprehensive and collision coverage as part of its coverage options. These two types of coverage serve distinct purposes in protecting the insured vehicle.

Comprehensive coverage is designed to protect against damage to the vehicle that is not caused by a collision, such as theft, vandalism, natural disasters, or hitting an animal. It essentially covers a wide range of non-collision related incidents that can result in damage or loss of the vehicle.

Collision coverage, on the other hand, covers damage to the insured vehicle resulting from a collision with another vehicle or object, regardless of fault. This is important for ensuring that the vehicle can be repaired or replaced after an incident that involves other drivers or various obstacles.

Having both comprehensive and collision coverage is vital for drivers who want comprehensive protection for their vehicles, ensuring coverage for a variety of unexpected incidents, enhancing their financial security in case of accidents or damages. Other options mentioned, such as only liability coverage or only personal injury protection coverage, represent more limited protections that do not offer the same breadth of coverage for damages incurred by the insured vehicle.