Which of the following would NOT be covered under the Other Than Collision section of a Personal Auto policy?

Which of the following would NOT be covered under the Other Than Collision section of a Personal Auto policy?

• A. Damage from a fallen tree
• B. Vandalism
• C. Theft of a portable radio left on the seat
• D. Glass breakage

Answer: (C)

The Other Than Collision section of a Personal Auto policy, often referred to as comprehensive coverage, typically provides protection against various non-collision related incidents. This includes instances such as damage caused by vandalism, theft, glass breakage, and natural events like a fallen tree. The correct answer centers on the theft of a portable radio left on the seat of the vehicle, which would not be covered. Comprehensive coverage generally protects the vehicle itself and its secured parts. Personal items, such as a portable radio left out in plain sight, often fall under the personal property coverage within a homeowner's or renter's policy, rather than the auto policy. Items not attached to the vehicle and left in an unsecured position are less likely to be covered under this section of a personal auto policy.

The Other Than Collision section of a Personal Auto policy, often referred to as comprehensive coverage, typically provides protection against various non-collision related incidents. This includes instances such as damage caused by vandalism, theft, glass breakage, and natural events like a fallen tree.

The correct answer centers on the theft of a portable radio left on the seat of the vehicle, which would not be covered. Comprehensive coverage generally protects the vehicle itself and its secured parts. Personal items, such as a portable radio left out in plain sight, often fall under the personal property coverage within a homeowner's or renter's policy, rather than the auto policy. Items not attached to the vehicle and left in an unsecured position are less likely to be covered under this section of a personal auto policy.