Other than Collision or Comprehensive

Comprehensive coverage only applies to damages caused by something other than collision with another object or vehicle. Damages caused by forces of nature that usually include earthquakes, fire, wind, hail, water and floods are covered. Losses from riots, vandalism and larceny are also covered by comprehensive insurance, as is damage caused by contact with a bird or an animal. And if your car is stolen, its loss would be covered by Comprehensive coverage.

Also, keep in mind that some policies exclude specific perils from comprehensive coverage. Double-check the Exclusions area of your policy to be sure you understand its limitations in this area.