Final answer:
Vehicle damage from lightning is covered by comprehensive insurance, which includes events like natural disasters, unlike property damage liability, collision, or towing insurance.
Step-by-step explanation:
Comprehensive insurance is indeed designed to cover damages to a vehicle resulting from incidents other than collisions, making it applicable to scenarios like lightning strikes. This coverage encompasses a range of events beyond the driver's control, such as theft, vandalism, natural disasters, and falling objects, explicitly including damage caused by lightning. It stands distinct from property damage liability, which covers damages to others' property for which the insured is at fault, and collision coverage, which addresses damage from accidents.
Towing insurance, on the other hand, focuses specifically on covering the costs associated with towing services and is not typically linked to damages caused by natural phenomena. Understanding these distinctions helps vehicle owners select insurance coverage tailored to various risks, ensuring comprehensive protection against a diverse array of potential perils.