Question 90

Comprehensive coverage will NOT respond when an insured is involved in an accident with another vehicle.

Comprehensive coverage is designed to protect against non-collision-related incidents, such as theft, vandalism, or natural disasters, and therefore does not cover damages resulting from an accident with another vehicle.

A) Hit and run

Hit and run coverage typically protects the insured in situations where they are involved in an accident with another driver who flees the scene. This type of coverage is specifically designed to respond in such cases, making it an incorrect choice for this question.

B) Comprehensive

Comprehensive coverage is not applicable to accidents involving another vehicle because it does not cover collision-related damages. It only provides protection against specific non-collision incidents, which is why it is the correct answer.

C) Collision or upset

Collision or upset coverage is specifically intended to cover damages resulting from a collision with another vehicle or object. Since this type of coverage is designed to respond in such scenarios, it does not fit the criteria of the question.

D) Basic vehicle damage coverage

Basic vehicle damage coverage is typically included in auto insurance policies and is meant to address damages caused by accidents, including those involving other vehicles. Therefore, it cannot be considered as an option that would not respond in an accident scenario.

Conclusion

Comprehensive coverage is the only option that does not cover accidents involving another vehicle, as it is strictly for non-collision-related incidents. In contrast, the other options, such as hit and run, collision or upset, and basic vehicle damage coverage, are all designed to provide financial protection in situations where an accident with another vehicle occurs.