Home and car insurance policies are valuable tools for protecting homes, cars, and belongings from wildfire smoke exposure. What car insurance covers in the event of wildfire smoke exposure and damageWildfire damage to vehicles is usually covered with comprehensive insurance. This type of coverage protects against car damage not caused by collisions, like losses from severe weather or falling objects. Most states require comprehensive car insurance coverage when financing or leasing a vehicle; however, it's not legally required in any state. Tips for car ownersDocument damage in case a car insurance claim is necessary.