State Farm Auto Insurance Practice Test

Which type of loss is usually not considered at-fault?

1. Bodily Injury Losses

2. Property Damage Losses

3. Comprehensive Losses

4. Collision Losses

The correct answer is: Comprehensive Losses

Comprehensive losses typically refer to damages that occur to a vehicle due to events other than collisions with other vehicles or objects, such as theft, vandalism, natural disasters, or hitting an animal. These types of losses are generally viewed as unavoidable or not the result of the insured's actions, making them not at-fault incidents. In contrast, bodily injury losses, property damage losses, and collision losses are usually assessed in relation to who was responsible for the incident that caused the damage. In most cases, these can be determined to be at-fault based on the circumstances leading to the accident. This is why comprehensive losses stand out, as they are often categorized separately due to their nature, which does not involve direct involvement of another party or the insured’s negligence.