In the US, most auto insurance is sold in three “flavors”:
Liability is often the “must-have” insurance for many states. Liability coverage is generally paid to people who are injured by your operation of your vehicle, for example, pedestrians or drivers and passengers of other vehicles that are injured in an accident with your vehicle, sometimes regardless of “fault”.
Collision insurance pays for damage done to your car when it’s damaged or destroyed in an accident with another car or even if you run into something stationary. In other words, damaged caused by the collision of your car with something else during operation.
Comprehensive is a broad type of insurance that covers damage to the car through acts of God, loss of contents of the vehicle, damage from vandalism, etc. If you have comprehensive coverage, then I would expect that you’d be covered if you somehow lost the car in a sinkhole.
Owners of late-model and / or expensive cars are more likely to have collision and comprehensive coverage.