Other Than Life (OTL) Practice Exam

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What does comprehensive car insurance typically cover?

Only accident-related damages
All types of liability claims
Damage from non-collision events like theft or vandalism
Only damages to third-party vehicles

The correct answer is: Damage from non-collision events like theft or vandalism

Comprehensive car insurance is designed to provide protection against a wide range of non-collision-related risks. This includes coverage for damages to your vehicle caused by theft, vandalism, natural disasters, falling objects, and even collisions with animals. The intent of comprehensive coverage is to offer financial protection from events that are outside of your control and that could lead to significant repair costs or loss of your vehicle. In contrast, options that focus solely on accident-related damages, liability claims, or damage only to third-party vehicles do not accurately reflect the full scope of what comprehensive insurance offers. This policy is specifically valuable for safeguarding against various unexpected incidents that can occur, making it crucial for car owners who want to minimize their potential losses from a range of unfortunate situations.