Which type of insurance covers damages to a motor vehicle regardless of fault?

Comprehensive insurance is designed to cover damages to a motor vehicle regardless of fault. This means that if your vehicle is damaged due to incidents such as theft, vandalism, fire, or natural disasters, comprehensive insurance will pay for the damages without considering who was at fault. This type of coverage ensures that vehicle owners can recover from a wide range of potential losses that might not be the result of a collision with another vehicle.

Liability insurance, on the other hand, primarily covers damages you cause to another vehicle in an accident, not your own vehicle’s damages. Collision insurance specifically covers damage to your vehicle resulting from a collision, but only if you are found to be at fault. Uninsured motorist insurance protects you when an accident is caused by a driver who doesn't have insurance and does not cover your own vehicle's damage in scenarios where fault is not established.

Thus, among the options provided, comprehensive insurance stands out as the only type that addresses vehicle damage without regard to fault occasions.