Texas Property and Casualty License Practice Exam

What is one part of the coverage under comprehensive insurance?

1. Collision with another car

2. Fire and explosion

3. Liability for bodily injury

4. Road damage to tires

The correct answer is: Fire and explosion

Comprehensive insurance, often referred to as "other than collision" coverage, protects against a variety of risks that are not related to direct collisions with other vehicles. One significant aspect of comprehensive insurance is coverage for fire and explosion. This means that if a vehicle is damaged or destroyed due to a fire or an explosion, the comprehensive policy would cover the loss, thus providing financial protection for the insured. In contrast, aspects such as collision with another car fall under collision coverage, while liability for bodily injury pertains to personal liability policies and not specifically to comprehensive plans. Road damage to tires is generally not covered unless specified, as it relates more to the operational use of the vehicle rather than risks covered under comprehensive insurance. Thus, fire and explosion coverage aligns directly with the protective features of comprehensive insurance, highlighting its role in mitigating various non-collision related risks.