Question

Sammy ran a red light and got into a car accident. Only her car had damage. What type of insurance will cover the damages to her car?

A. All of the above
B. Comprehensive Physical Damage
C. Liability
D. Collision

Answer 1

Collision insurance will cover the damages to Sammy's car after running a red light and getting into an accident. This type of coverage is used for vehicle repairs after collisions, irrespective of fault.

Step-by-step explanation:

If Sammy ran a red light and got into a car accident where only her car sustained damage, the type of insurance coverage that would typically cover the damages to her vehicle is Collision insurance. Collision coverage is designed specifically to cover vehicle repair costs after a collision, regardless of who is at fault. This contrasts with Comprehensive Physical Damage insurance, which covers damages to the vehicle from non-collision-related incidents such as theft or natural disasters; and Liability coverage, which primarily covers the other party's vehicle and medical costs if you're at fault in an accident. Therefore, the correct answer is D. Collision.

Answer 2

Collision insurance will cover the damages to Sammy's car in this scenario.

Step-by-step explanation:

The type of insurance that will cover the damages to Sammy's car in this scenario is Collision insurance. Collision insurance covers the cost of repairs or replacement of the insured vehicle if it is damaged as a result of a collision with another vehicle or object, regardless of who is at fault for the accident.

Comprehensive Physical Damage insurance, on the other hand, covers damages to the insured vehicle that are not the result of a collision, such as theft, vandalism, or natural disasters.

Liability insurance covers the cost of damages and injuries sustained by others in an accident caused by the insured party.

All of the above would not be the correct option in this case, as not all types of insurance would cover the damages to Sammy's car.