Which of the following is a feature of a comprehensive auto insurance policy?

A comprehensive auto insurance policy includes a broad range of coverage that protects the insured against various risks that are not related to collisions. Specifically, it covers incidents such as theft, vandalism, natural disasters, and damage from falling objects. This is pivotal for policyholders because it ensures they are protected from losses beyond typical accidents, providing peace of mind against unpredictable events that can severely impact the value of their vehicle.

In contrast to the comprehensive coverage, liability claims pertain solely to damages inflicted on other people and their property when the insured is at fault in an accident, which is not all-encompassing. Furthermore, while some states have minimum insurance requirements, comprehensive coverage is not mandated in all states, making it an optional protection. Lastly, comprehensive coverage is distinctly separate from liability coverage; the former provides a wider range of protections beyond just liability. Thus, the characteristic of covering theft and vandalism is what sets comprehensive insurance apart and emphasizes its extensive nature.