What type of insurance coverage would apply to damage caused to a vehicle's windshield by a bird?

The correct answer is comprehensive coverage because this type of insurance is designed to protect against non-collision incidents that can cause damage to a vehicle. Events like theft, vandalism, natural disasters, and animal strikes fall under comprehensive coverage.

When a bird causes damage to a windshield, this is classified as an unexpected event that is not the result of a collision. Therefore, the comprehensive coverage would apply, as it specifically covers damages caused by such occurrences.

In contrast, collision coverage is intended for damages resulting from a collision with another vehicle or object, which would not cover the unusual scenario of bird-related damage. Liability insurance protects against damages you may cause to another person’s property or injuries you may cause in an accident but does not cover your own vehicle. Underinsured motorist coverage protects you when you are in an accident with a driver who doesn’t have enough insurance to cover your damages, which is unrelated to the situation of a bird damaging a windshield.