What coverage typically does NOT include natural disaster damages?

Collision coverage is specifically designed to cover damages to your own vehicle resulting from an accident with another vehicle or object, regardless of fault. This form of insurance does not address damages caused by natural disasters, such as floods, earthquakes, or hurricanes. While these events can result in significant losses for a vehicle, collision coverage simply does not extend to those circumstances.

In contrast, comprehensive coverage generally does include damages resulting from natural disasters, and property coverage typically encompasses a broader range of risks associated with property damage, including those caused by environmental factors. Liability coverage, while it addresses harm to others and their property, does not cover damages to your own vehicle or personal assets. Thus, collision coverage stands out as the type that does not include protection against natural disaster damages.