Which coverage involves replacing or repairing a car if it is damaged by incidents other than collision?

The coverage that involves replacing or repairing a car if it is damaged by incidents other than collision is comprehensive coverage. This type of insurance is designed to provide financial protection against a variety of risks that may not be related to a car accident. Comprehensive coverage typically includes incidents such as theft, vandalism, natural disasters (like floods or hurricanes), fire, and collision with animals.

In contrast, liability coverage primarily addresses damages to other people’s property and medical expenses resulting from an accident for which you are at fault, while collision coverage specifically covers damage to your own vehicle resulting from a collision with another vehicle or object. Personal Injury Protection focuses more on medical expenses and loss of income due to injuries sustained in an accident, rather than vehicle damage.