Which loss does a comprehensive coverage with a $300 deductible apply to?

Comprehensive coverage is designed to protect against losses caused by events that are not related to a collision. This includes a variety of non-accident-related damages. A correct example of this is lightning damage to your vehicle. If a vehicle is struck by lightning, the damage that results is covered under comprehensive insurance, as it falls under the category of "acts of God" or natural disasters, which are specifically included in the scope of this coverage.

The other options listed, while they may involve damages to the vehicle, do not align with the principle of comprehensive coverage in the same way. For instance, theft of a stereo system and broken windows from a theft attempt would typically involve comprehensive coverage as well; however, the specific context here limits the answer to properties damaged by natural occurrences like lightning. Therefore, comprehensive coverage applies effectively to lightning damage, highlighting its role in protecting against a wide range of possible risks beyond just collisions.