Some states require each driver's automobile insurance policy to cover windshield damage, such as from rocks kicked up in traffic $($e$.$g$.,$ Arizona$).$ Some insurers offer windshield coverage to any driver who desires it$,$ even where it is not mandatory. They are using a behavioral $($benefit$)$ segmentation theme. But insurers who only offer windshield coverage in places where it is mandatory $($and nowhere else$)$ are using a$($n$)\_\_\_\_\_$ segmentation theme.