General Education Development (GED) Practice Exam

Comprehensive car insurance typically covers which of the following?

1. Damage to others' property while driving

2. Medical expenses of others from a collision

3. Damage to the insured's vehicle by vandalism

4. All of the above

The correct answer is: Damage to the insured's vehicle by vandalism

Comprehensive car insurance is designed to cover a variety of non-collision-related damages to the insured vehicle. This includes coverage for incidents such as theft, vandalism, weather-related damage, and damage from animals. Therefore, the correct option highlights that comprehensive insurance specifically covers damage to the insured's vehicle caused by vandalism. In contrast, damage to others' property while driving and medical expenses for others from a collision typically fall under liability insurance, not comprehensive coverage. Liability insurance is a separate policy that protects the driver from legal and financial responsibility when they are at fault in an accident. Thus, while comprehensive car insurance provides valuable protection for the insured's vehicle against various risks, it does not cover the responsibilities associated with hurting others or damaging their property in an accident.