In a personal auto policy, what is typically NOT covered by comprehensive coverage?

In a personal auto policy, comprehensive coverage is designed to protect against a variety of non-collision incidents. This includes theft, vandalism, and damages caused by natural disasters such as floods or hail. The key aspect of comprehensive coverage is that it addresses damages that do not occur as a result of a collision.

Medical expenses for the driver are typically covered under a section of the auto policy known as medical payments or personal injury protection, rather than under comprehensive coverage. This separation ensures that the medical expenses incurred from an accident are managed differently from vehicle damage claims that arise from non-collision events.

Overall, understanding the distinct parts of an auto policy helps clarify the protection each offers. Comprehensive coverage specifically excludes medical payments, focusing instead on protecting the vehicle against various specified risks.