New Jersey Property And Casualty Insurance Practice Test

All of the following are typically covered by Other Than Collision (comprehensive) coverage EXCEPT

Theft of the Vehicle Auto Body Damage Caused by a Roll-Over Damage from Hail Vandalism

Correct Answer:

Auto Body Damage Caused by a Roll-Over

Explanation:

Comprehensive coverage protects the car from non-collision perils, such as theft, vandalism, and weather-related damage like hail. It doesn’t cover damage that results from a rollover in the typical sense, because a rollover is considered a collision loss (the damage arises from contact with the road, ground, or another object as the vehicle overturns). So damage from a roll-over is usually paid under collision coverage, not comprehensive. The other listed perils—theft of the vehicle, damage from hail, and vandalism—are classic examples of what comprehensive coverage covers. If the rollover happened as a result of colliding with something, that would fall under collision, not comprehensive.

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