Comprehensive coverage covers you in the event that ___.

• A. you are at fault in a collision
• B. damage is done to your vehicle by forces other than accidents
• C. medical expenses for passengers
• D. damage to other drivers' vehicles

Answer: (B)

Comprehensive coverage protects your own car from damage that isn’t caused by a crash with another vehicle or object. It covers events like theft, vandalism, fire, weather-related damage (such as hail or flooding), and damage from falling objects. So the statement that best fits is the one describing damage to your vehicle resulting from forces other than accidents.

This is different from what happens in a collision (where you’re involved in a crash with another vehicle or object) or from medical expenses (which fall under medical payments or PIP) or from damage to someone else's vehicle (which is handled by liability coverages).