Which of the following would not be covered by comprehensive automobile insurance?

Which of the following would not be covered by comprehensive automobile insurance?

• A. An accident caused by a driver
• B. Damage from a frozen radiator
• C. Theft of the vehicle
• D. Damage from vandalism

Answer: (B)

Comprehensive automobile insurance is designed to cover a variety of non-collision-related damages to a vehicle. This category includes incidents such as theft, vandalism, and damage caused by weather events, among others. Damage from a frozen radiator, however, is typically considered to be a result of neglect or a lack of proper maintenance rather than an external peril. Comprehensive insurance is intended to address unforeseen events that cause damage to a vehicle, while issues arising from mechanical failures or maintenance neglect fall outside its coverage scope. This distinction is crucial in understanding the limitations of comprehensive coverage. The other options reflect events that are covered by comprehensive insurance: theft and vandalism are direct acts that cause loss or damage to the vehicle, while an accident caused by a driver pertains to collision coverage rather than comprehensive but is still a recognized risk in the realm of automobile insurance.

Comprehensive automobile insurance is designed to cover a variety of non-collision-related damages to a vehicle. This category includes incidents such as theft, vandalism, and damage caused by weather events, among others.

Damage from a frozen radiator, however, is typically considered to be a result of neglect or a lack of proper maintenance rather than an external peril. Comprehensive insurance is intended to address unforeseen events that cause damage to a vehicle, while issues arising from mechanical failures or maintenance neglect fall outside its coverage scope.

This distinction is crucial in understanding the limitations of comprehensive coverage. The other options reflect events that are covered by comprehensive insurance: theft and vandalism are direct acts that cause loss or damage to the vehicle, while an accident caused by a driver pertains to collision coverage rather than comprehensive but is still a recognized risk in the realm of automobile insurance.