Which of the following is not typically covered in a comprehensive automobile policy?

Which of the following is not typically covered in a comprehensive automobile policy?

• A. Damage from a hailstorm
• B. Damage from a collision with another vehicle
• C. Theft of the vehicle
• D. Vandalism to the vehicle

Answer: (B)

Comprehensive automobile policies are designed to cover a range of non-collision-related incidents affecting a vehicle. These typically include damage from environmental factors, theft, and vandalism. Therefore, the coverage for damage from a hailstorm, theft of the vehicle, and vandalism all fall under the scope of comprehensive coverage. Collision damage, however, falls under a different type of insurance coverage called collision coverage. This coverage specifically addresses damages resulting from an impact with another vehicle or object, meaning that damage from a collision does not typically fall under the comprehensive policy. Understanding the distinction between these types of coverage is key for policyholders when assessing their insurance needs and ensuring they have adequate protection for various risks associated with vehicle ownership.

Comprehensive automobile policies are designed to cover a range of non-collision-related incidents affecting a vehicle. These typically include damage from environmental factors, theft, and vandalism. Therefore, the coverage for damage from a hailstorm, theft of the vehicle, and vandalism all fall under the scope of comprehensive coverage.

Collision damage, however, falls under a different type of insurance coverage called collision coverage. This coverage specifically addresses damages resulting from an impact with another vehicle or object, meaning that damage from a collision does not typically fall under the comprehensive policy.

Understanding the distinction between these types of coverage is key for policyholders when assessing their insurance needs and ensuring they have adequate protection for various risks associated with vehicle ownership.