Question

The insured's car is stolen. The thief totaled the car. What would provide coverage for the insured?

1) other than collision
2) collision
3) property damage
4) none of the above

Answer 1

The coverage that would provide for an insured's stolen and totaled car is 'other than collision' or comprehensive coverage. Collision coverage applies to collisions with vehicles or objects, and property damage liability covers damage to others' property by the policyholder's car.

Step-by-step explanation:

If an insured's car is stolen and then totaled by a thief, the coverage that would provide for the insured generally comes under the other than collision coverage, also known as comprehensive coverage. This part of an auto insurance policy covers events that are not caused by a collision with another vehicle or object, such as theft, vandalism, fire, natural disasters, and falling objects. Collision coverage is for when a car is damaged due to a collision with another vehicle or object, property damage liability coverage pays for damage the policyholder's car causes to someone else's property, and 'none of the above' is not applicable in this scenario since there is coverage for theft under comprehensive insurance.