Alabama Insurance Adjuster Practice Exam

Which of the following damages would NOT be covered under the Comprehensive section of a Personal Auto Policy?

1. Rollover accidents

2. Theft of the vehicle

3. Fire damage to the vehicle

4. Weather-related damages

The correct answer is: Rollover accidents

The Comprehensive section of a Personal Auto Policy is designed to cover a variety of non-collision related incidents that may cause damage to the insured vehicle. This section typically includes types of damage such as theft of the vehicle, fire damage, and weather-related damages (like storm damage or hail). Rollover accidents, however, are considered collision events, which are typically covered under the Collision section of an auto policy rather than Comprehensive. Collision coverage specifically addresses damages incurred from collisions with other vehicles or objects, including instances where the vehicle rolls over. Therefore, rollover accidents are excluded from the coverage provided under the Comprehensive section, making this the correct answer to the question. Understanding the distinction between Comprehensive and Collision coverage is essential for managing expectations about what is protected under each aspect of a Personal Auto Policy.