An insured whose legally parked car is damaged by a mudslide may collect for damages under which of the following coverages?

An insured whose legally parked car is damaged by a mudslide may collect for damages under which of the following coverages?

• A. Collision
• B. Comprehensive
• C. Other-than-collision
• D. Liability

Answer: (C)

The correct choice is comprehensive coverage. This type of insurance is designed to cover damages to a vehicle caused by events that are not related to a collision with another vehicle. Mudslides fall into the category of natural disasters or acts of nature, which are typically covered under comprehensive policies. Comprehensive coverage protects against a wide range of incidents, including theft, vandalism, fire, and various weather-related damages, making it the suitable option in this scenario. Additionally, this coverage would be activated because the vehicle was legally parked and not involved in an accident with another vehicle. Other options, such as collision coverage, specifically apply to damages resulting from the vehicle's collision with another object, which does not apply here. Liability coverage protects against damages or injuries that the insured might cause to others but does not cover damages to the insured's own vehicle. The term "other-than-collision" is not commonly used in insurance terminology and does not specifically indicate a type of coverage; thus, it's less relevant in this context.

The correct choice is comprehensive coverage. This type of insurance is designed to cover damages to a vehicle caused by events that are not related to a collision with another vehicle. Mudslides fall into the category of natural disasters or acts of nature, which are typically covered under comprehensive policies.

Comprehensive coverage protects against a wide range of incidents, including theft, vandalism, fire, and various weather-related damages, making it the suitable option in this scenario. Additionally, this coverage would be activated because the vehicle was legally parked and not involved in an accident with another vehicle.

Other options, such as collision coverage, specifically apply to damages resulting from the vehicle's collision with another object, which does not apply here. Liability coverage protects against damages or injuries that the insured might cause to others but does not cover damages to the insured's own vehicle. The term "other-than-collision" is not commonly used in insurance terminology and does not specifically indicate a type of coverage; thus, it's less relevant in this context.