What can trigger a claim under the comprehensive coverage of an auto policy?

Comprehensive coverage within an auto insurance policy is designed to cover damages to your vehicle that are not the result of a collision. This type of coverage is triggered by a range of events, such as theft, vandalism, natural disasters (like floods or hail), falling objects, or even animals.

In this scenario, theft and vandalism are prime examples of incidents that would lead to a claim under a comprehensive policy. Natural disasters, which are beyond the control of the vehicle owner, also fall under comprehensive coverage, as they can cause significant damage to a vehicle without any collision involved.

Other options listed do not appropriately reflect the scope of comprehensive coverage. For instance, accidents involving other vehicles and collisions pertain to collision coverage, while traffic violations do not typically trigger any claims; instead, they may affect driving records and insurance premiums but do not cause damage covered by comprehensive coverage.