What is a benefit of comprehensive optional coverage compared to collision coverage?

Comprehensive optional coverage is designed to protect against a wider array of potential damages to your vehicle that are not directly related to a collision. This includes coverage for incidents such as theft, vandalism, natural disasters, and damage caused by animals. Because of this broader scope, comprehensive coverage is valuable for vehicle owners who want to safeguard against various unforeseen events beyond just collisions.

By contrast, collision coverage specifically only applies to damages that occur as a result of colliding with another vehicle or object. It thus does not extend to the myriad of other risks covered by comprehensive coverage. Understanding this distinction helps highlight why comprehensive coverage offers enhanced protection for owners wanting to mitigate a wider range of potential losses.