What is a common characteristic of comprehensive coverage in an auto insurance policy?

Comprehensive coverage in an auto insurance policy is designed to protect against a wide range of non-collision-related damages to a vehicle. This includes, most notably, damages from theft or vandalism, which are key elements that comprehensive coverage is specifically meant to address. By encompassing events such as burglary, malicious mischief, fire, falling objects, and even natural disasters, comprehensive coverage provides a broader safety net compared to other types of coverage.

While collision coverage specifically addresses damages incurred from physical collisions with other vehicles or objects, comprehensive coverage fills in those gaps by covering unexpected incidents that do not involve a collision. This is why the inclusion of theft or vandalism is a fundamental characteristic of comprehensive coverage; it reassures policyholders that they are protected against a variety of risks that could lead to financial loss unrelated to their driving habits or incidents on the road.

The other options reflect limitations or specific aspects of different coverage types, rather than the all-encompassing nature of comprehensive insurance.