Which of the following losses is considered a "Comprehensive Claim"?

Which of the following losses is considered a "Comprehensive Claim"?

• A. Damage to the vehicle due to a collision with another car
• B. Damage to the vehicle when a deer jumped in front of the vehicle
• C. Theft of the vehicle
• D. Damage from vandalism

Answer: (B)

A comprehensive claim refers to losses that do not result from a collision but rather from other incidents that typically fall outside of the driver's control. This category includes scenarios such as theft, vandalism, or animal-related incidents. The situation where a deer jumped in front of the vehicle fits within this definition, as it does not involve a collision with another vehicle. Instead, it involves a random occurrence that led to damage. This aligns with the nature of comprehensive coverage, which is designed to protect against unexpected and non-collision-related damages. In contrast, damage from a collision with another vehicle is specifically categorized under collision claims, while theft, though a comprehensive claim, is not the selected option here. Vandalism also qualifies as a comprehensive claim, but again, it is not the answer in this context.

A comprehensive claim refers to losses that do not result from a collision but rather from other incidents that typically fall outside of the driver's control. This category includes scenarios such as theft, vandalism, or animal-related incidents.

The situation where a deer jumped in front of the vehicle fits within this definition, as it does not involve a collision with another vehicle. Instead, it involves a random occurrence that led to damage. This aligns with the nature of comprehensive coverage, which is designed to protect against unexpected and non-collision-related damages.

In contrast, damage from a collision with another vehicle is specifically categorized under collision claims, while theft, though a comprehensive claim, is not the selected option here. Vandalism also qualifies as a comprehensive claim, but again, it is not the answer in this context.