Many people request car insurance policies so that they have coverage in case of an automobile accident. This is a valid reason to get auto insurance, but it is not the only one. Comprehensive car insurance policies may also cover five surprising issues that most drivers do not think of when they are looking for coverage.

1) Animal attacks

If a driver's car is damaged due to an animal jumping into or onto it, then their car insurance policy may cover the damage caused by this incident. There may be some exceptions, of course, like if you hit an animal with your car due to your own negligence. However, if a stray animal jumps on your parked car or an animal escapes from your local zoo and attacks your vehicle, car insurance may protect you.

2) Natural disasters

It may surprise many drivers that their car insurance policy may cover any damage done to their vehicle due to natural disasters such as floods and hurricanes. This can provide great peace of mind for those who live in areas that are prone to these types of events. However, keep in mind that every auto insurance policy is different, so make sure to check your policy's details for what is covered and what isn't.

3) Fire damage

In the event that a car catches on fire, auto insurance may provide coverage depending on the cause of the fire. For example, if an electrical malfunction caused your car to ignite, then you may be able to receive compensation from your insurance carrier. It depends on whether this type of incident is covered in your policy, so be sure to check the fine print before filing a claim.

4) Theft and vandalism

If a driver's car is stolen, their auto insurance policy may cover the cost of replacing it or repairing it if it is later recovered. This type of coverage can be incredibly helpful during these stressful situations. It's comforting to know that financial relief is available for eligible drivers who would otherwise struggle to replace their vehicles.

5) Damage from objects falling

When light fixtures, trees, and other objects fall onto people's cars, car insurance may provide coverage for this type of damage. This is especially beneficial if you live in an area that frequently experiences storms or strong winds. As with any other situation where insurance might be a factor, it is important to check your specific policy details to determine what is covered. Hopefully, your auto insurance plan provides coverage for some — or all — of the issues listed above.

Contact a car insurance agent for more information.