What type of insurance covers loss or damage to the insured automobile?

Comprehensive insurance specifically covers loss or damage to the insured automobile. This type of insurance protects against a wide range of risks, including theft, fire, vandalism, and damage from natural disasters, in addition to collisions. It ensures that if an insured vehicle is damaged or lost under circumstances covered by the policy, the insurance provider will compensate the owner for repair or replacement costs.

Liability insurance, on the other hand, is designed to cover damages or injuries to other parties if you are at fault in an accident, rather than covering damages to your own vehicle. Health insurance focuses on medical expenses and is unrelated to automobile damage. The term "third type of insurance" is vague and does not specify a known coverage area, further confirming that comprehensive insurance is the correct choice for covering loss or damage to an automobile.