Which coverage is needed under a business auto policy to cover hitting an animal or grass breakage?

Comprehensive coverage is specifically designed to protect against damages to your vehicle from incidents other than collision. This type of coverage includes a variety of scenarios such as theft, vandalism, and damage caused by hitting an animal. When you hit an animal while driving, it falls under the comprehensive coverage because it's not a collision with another vehicle or object.

Grass breakage, while not commonly included, can also reflect situations where the vehicle might be damaged in a way that isn't a direct collision, such as driving off-road or through a natural landscape where grass could be involved in the damage.

Other types of coverage such as collision are focused on damages from hitting another vehicle or object, while liability coverage addresses damages caused to other people or their property. Specified perils is more limited and only covers certain risks that are specifically listed, excluding broader incidents like hitting an animal. Thus, comprehensive coverage is necessary for incidents involving animal impacts and potentially related non-collision situations.