Registered Insurance Brokers of Ontario (RIBO) Practice Exam

The All Perils coverage (own damage) of an automobile policy covers damages that occur to the insured vehicle, such as vandalism, theft, and collision. Options A, B, and C are not covered under this specific coverage, as they do not pertain to damages that occur to the vehicle itself. Damage under the influence of drugs, radioactive contamination, and rusting of the automobile body would fall under different types of coverages, such as liability coverage or comprehensive coverage. Therefore, the correct answer is D, vandalism damage, as it is the only option that falls under the All Perils coverage for an automobile policy.