The correct answer is:
Comprehensive insurance is when your insurance company covers collision and physical damage.
Comprehensive insurance is a type of auto insurance that provides coverage for physical damage to your vehicle from non-collision events, such as theft, fire, vandalism, or natural disasters. It is typically purchased in addition to liability insurance, which covers damage to other people's property or injuries to other people in an accident that you cause. Comprehensive insurance can also include coverage for personal injury protection, but this is not the main focus of the coverage. Finally, comprehensive insurance can help you regardless of where you are driving, as long as the damage to your vehicle is covered by the policy.