State Farm Auto Insurance Practice Test

Which of the following is an example of an uncontrollable event for Comprehensive Coverage?

1. Backing into another car

2. Driving under the influence

3. Hail damage

4. Colliding with a stationary object

The correct answer is: Hail damage

Comprehensive Coverage is designed to protect against various types of damage to your vehicle that are not the result of a traffic accident. An uncontrollable event refers to situations that are outside the driver's control, typically including natural disasters or unavoidable incidents. Hail damage, which is indicated in the correct choice, is a prime example of an uncontrollable event. It occurs due to severe weather conditions and is not something that a driver can foresee or prevent while driving. This type of damage can happen when a vehicle is parked or left unattended, which highlights the nature of comprehensive coverage in dealing with non-collision-related incidents. In contrast, options that involve intentional or driver-related actions, such as backing into another car, driving under the influence, or colliding with a stationary object, are all scenarios that result from the driver's decisions and actions. These situations typically fall under collision coverage or liability coverage, rather than comprehensive. Therefore, hail damage stands out as the best example of an uncontrollable event under Comprehensive Coverage.