Other Than Life (OTL) Practice Exam

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Accident benefits do NOT cover which of the following expenses?

Vehicle damage
Loss of wages
Dental work
Funerals

The correct answer is: Vehicle damage

Accident benefits are designed to provide financial support to individuals who suffer injuries as a result of automobile accidents, primarily focusing on medical and rehabilitation expenses, as well as certain lost income. These benefits typically cover expenses related to medical treatments, rehabilitation costs, lost wages due to inability to work, and necessary services like dental work resulting from the accident. Vehicle damage, on the other hand, is generally covered under a separate type of auto insurance, such as collision or comprehensive coverage, rather than accident benefit coverage. This distinction is crucial because accident benefits are aimed at compensating for personal injury and associated costs rather than vehicle repairs or replacements. Therefore, vehicle damage is not included in the scope of accident benefits, making it the correct answer in this context.