Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Question: 1 / 50

Your insured parks his/her automobile at a shopping mall and on his/her return it has been damaged by another vehicle. What section would cover the damage?

Comprehensive

OPCF 44, Family Protection Endorsement

Liability

There would be no coverage

In this scenario, the correct answer is D. Comprehensive coverage typically covers damages that are not caused by a collision, but in this case, the damage was caused by another vehicle. OPCF 44, Family Protection Endorsement, only covers damages caused by an uninsured or underinsured motorist and does not apply in this situation. Liability coverage covers damages caused by the insured's vehicle to another person or their property, so it also does not apply in this situation. The correct answer is that there would be no coverage for this specific type of damage.