What type of coverage includes a combination of collision and comprehensive?

The correct choice is based on the nature of insurance coverages available. Combining collision and comprehensive coverage is typically referred to as "All Perils" coverage. This type of policy provides the insured with the broadest level of protection, covering a wide range of risks including theft, vandalism, and damage from accidents (collision), as well as damage from non-collision incidents like falling objects or weather-related damage (comprehensive).

All Perils coverage offers a comprehensive safety net, meaning the insured is protected against virtually all types of loss or damage to their vehicle, except for specific exclusions that may be limited in the policy. This makes it a highly desirable option for those looking for extensive coverage.

In contrast, the other options represent more limited or specific types of coverage. Specified Perils, for instance, only covers losses resulting from particular risks outlined in the policy. Collision or Upset is narrowly focused on damages resulting from vehicle accidents, while Comprehensive solely protects against non-collision-related incidents. Therefore, All Perils stands out as the choice that effectively combines both collision and comprehensive protections.