Which scenario would qualify as a loss under Section 7.1.2 B, Comprehensive of the OAP 1 Owner's Form policy?

The scenario involving a windshield being smashed by a falling boulder qualifies as a loss under Section 7.1.2 B, Comprehensive of the OAP 1 Owner's Form policy because Comprehensive coverage typically encompasses damage to a vehicle caused by events other than collision. This includes incidents like falling objects, vandalism, or natural disasters.

In this case, the falling boulder is an external force acting upon the vehicle, causing damage that is not a result of a collision with another vehicle or an object in the roadway. This aligns with the purpose of Comprehensive coverage, which aims to protect policyholders from a range of risks that can damage their vehicle but are not directly related to a traffic accident.

The other scenarios, while they certainly represent damages or losses, fall under different coverage provisions. For instance, being hit by another car would typically be classified under Collision coverage, while theft might be more applicable to different sections of an auto insurance policy that cover personal property or contents of the vehicle. Collisions with animals might also be treated under Collision coverage, depending on the specifics of the policy.