Registered Insurance Brokers of Ontario (RIBO) Practice Exam

The correct answer is that your insured's collision coverage would typically cover the damages caused by a passenger damaging another vehicle while exiting the insured's car. Collision coverage is designed to pay for damages to another vehicle or property resulting from an accident that involves the insured's vehicle, regardless of who is at fault.

In this scenario, because a passenger in the insured's car damaged another vehicle, the collision coverage would apply to cover the resulting damages. This means that any repair costs incurred by the other vehicle would be handled under the insured's policy.

Other drivers' insurance might not be involved unless the passenger was in a position that could potentially be covered under their insurance, which is less common in this type of situation. Comprehensive coverage typically deals with non-collision-related incidents such as theft or weather damage, rather than damage to another vehicle. The option suggesting no coverage is equally unlikely because most policies include some form of liability or coverage for damages caused by occupants of the insured vehicle. Thus, collision coverage is the appropriate response in this instance.