If your car is damaged outside of a collision, comprehensive insurance coverage may help with the costs of repairs. Comprehensive coverage typically provides protection for damage due to perils such as:

Fire
Theft
Vandalism
Natural disasters
Falling objects
Animal damage

So, if you discover a tree fell onto your hood or you collide with an animal, comprehensive coverage may help pay for the costs of bodywork and mechanical repairs due to the incident. Like collision coverage, comprehensive coverage is optional. Also, keep in mind that you'll be responsible for the deductible, and that there will be coverage limits.