Which scenario is covered by Comprehensive Coverage?

• A. Vehicle is damaged by vandalism/theft
• B. Vehicle damaged when it collides with another vehicle
• C. Vehicle is damaged by weather during a collision
• D. Vehicle is damaged due to engine failure

Answer: (D)

Comprehensive coverage applies to damage that isn’t caused by a crash with another vehicle or object. ItProtects against non-collision risks like vandalism, theft, fire, hail, flood, and other hazards. Because of that, the scenario where the vehicle is damaged by vandalism or theft is covered. Engine failure is a mechanical issue, not a peril included in standard comprehensive coverage. Damage from a collision with another vehicle falls under collision coverage, not comprehensive, and weather-related damage that occurs as part of a collision would still be considered a collision event rather than a comprehensive one.