Georgia Assessments for the Certification of Educators GACE Practice Test

Comprehensive car insurance typically covers:

1. Damage the insured does to the property of others while driving the insured vehicle

2. Damage done to the insured's vehicle by a vandal

3. Medical expenses others incur as a result of a collision with the insured vehicle

4. All of the above

The correct answer is: Damage the insured does to the property of others while driving the insured vehicle

The correct answer is that comprehensive car insurance usually covers damage to the insured's vehicle caused by circumstances other than a collision, such as vandalism. This aligns with the primary purpose of comprehensive coverage, which is to protect against non-collision incidents including theft, vandalism, fire, and natural disasters. In this context, the coverage offered by comprehensive insurance specifically addresses situations when the insured's vehicle is damaged due to vandalism, differentiating it from liability coverage which would apply to damage done to others' property while driving the insured vehicle. Other types of coverage, like collision insurance, would cover damages to the insured vehicle in the event of a crash, while liability insurance pertains to medical expenses incurred by others as a result of the insured's actions. Thus, comprehensive coverage is crucial for safeguarding against losses not related to collisions, making it essential for vehicle owners to have this aspect of coverage for comprehensive protection.