What is the common characteristic of comprehensive insurance?

Comprehensive insurance is designed to cover a wide range of damages to a vehicle that are not a result of a collision. This includes incidents such as theft, vandalism, natural disasters, or damage from animals. Therefore, the characteristic that comprehensive insurance pays for damages not resulting from accidents accurately reflects its purpose and scope. This type of coverage provides a broader protection compared to other forms of auto insurance, which may focus specifically on collision-related incidents.

The other choices do not align with the essence of what comprehensive insurance offers. For instance, collision damages specifically fall under a different type of coverage. Additionally, comprehensive coverage is not mandatory, as requirements can vary by state, and it tends to be more costly than basic liability insurance, making it less likely to be positioned as the least expensive type of car insurance.