Which of the following is considered an optional coverage for automobile insurance?

Comprehensive coverage is considered an optional coverage for automobile insurance because it is not a requirement imposed by law. This type of coverage protects against losses that occur due to non-collision-related incidents, such as theft, vandalism, fire, and certain natural disasters.

While many drivers choose to purchase comprehensive coverage to protect their vehicles fully, it is not necessary for legal driving in most jurisdictions. In contrast, liability coverage and state-mandated minimum coverage are often required by law to ensure that drivers can cover damages or injuries they may cause to others. Personal injury protection, although sometimes mandatory depending on the region, is typically viewed as a necessary form of coverage that helps cover medical expenses for the driver and passengers in the event of an accident. Therefore, comprehensive coverage stands out as an optional component within an auto insurance policy.