What is comprehensive coverage meant to cover?

Comprehensive coverage is specifically designed to protect against damages to a vehicle that are not caused by a collision with another vehicle. This includes incidents such as damage from vandalism, theft, fire, and natural disasters like hail or flooding. The primary purpose of this kind of coverage is to provide financial protection for the insured vehicle in a broader spectrum of situations that could lead to loss or damage that are outside of standard driving incidents.

The other options do not correctly depict the essence of comprehensive coverage. For instance, collision-related damages, which occur when a vehicle strikes another vehicle or object, are generally covered under a separate collision coverage policy. Comprehensive coverage does not encompass all vehicle damages regardless of the cause, as there are various exclusions, particularly related to intentional damage or certain types of wear and tear. Additionally, while legal defense expenses can arise from accidents, these costs are typically covered under liability policies rather than under comprehensive coverage. Therefore, comprehensive coverage focuses on non-collision-related incidents, making the understanding of option B accurate in this context.