In what situation would a policyholder benefit from comprehensive coverage?

Comprehensive coverage is designed to protect against a range of non-collision-related incidents that could result in damage or loss of a vehicle. This type of coverage is particularly beneficial for situations where the vehicle is stolen or suffers damage due to natural events such as severe weather, which includes hail, flooding, or falling objects like trees.

In the context of the options, the scenario where a car is stolen or damaged by weather events encompasses a broad spectrum of risks that are specifically covered by comprehensive insurance. This coverage provides peace of mind by ensuring that the policyholder is compensated for loss or damage caused by unforeseen circumstances other than vehicle collisions.

The other options relate primarily to incidents that would fall under collision coverage. For example, damage from a collision with another car would typically be covered by collision insurance, while a flat tire would not generally be covered under any type of auto insurance, and vandalism might not be adequately addressed if comprehensive coverage were not indicated since it can vary depending on policy specifics. Thus, option B clearly represents when comprehensive coverage would be advantageous for the policyholder.