What type of coverage typically includes theft protection for vehicles?

Comprehensive coverage is designed to protect against a variety of risks to a vehicle that are not related to a collision. This includes theft, vandalism, fire, and natural disasters. When a vehicle is stolen, comprehensive coverage can help cover the loss, allowing the insured to claim a payout based on the vehicle’s actual cash value.

In contrast, liability coverage primarily addresses damages to others in an accident for which the insured is responsible. Collision coverage deals specifically with damages to the insured's own vehicle resulting from a collision, regardless of fault, and does not cover theft. Personal injury protection focuses on medical expenses for injuries sustained in an automobile accident, and does not pertain to vehicle theft at all. Thus, comprehensive coverage is the appropriate choice when considering theft protection.