Which of the following is NOT a coverage provided by a standard personal auto policy?

Which of the following is NOT a coverage provided by a standard personal auto policy?

• A. Liability
• B. Collision
• C. Comprehensive
• D. Life Insurance

Answer: (D)

In a standard personal auto policy, coverage is typically offered for essential areas such as liability, collision, and comprehensive. Liability coverage protects policyholders against claims resulting from injuries and damage to others' property caused by the insured vehicle. Collision coverage provides financial protection for damages to the insured vehicle resulting from a collision, regardless of fault. Comprehensive coverage, on the other hand, covers damages from non-collision events, such as theft, vandalism, or natural disasters. Life insurance, however, is not included in a personal auto policy as it serves a completely different purpose. Life insurance provides financial protection and benefits to beneficiaries upon the death of the insured, whereas personal auto policies focus specifically on protecting vehicles and their associated liabilities. Therefore, life insurance is the coverage that does not fall under the scope of a standard personal auto policy.

In a standard personal auto policy, coverage is typically offered for essential areas such as liability, collision, and comprehensive. Liability coverage protects policyholders against claims resulting from injuries and damage to others' property caused by the insured vehicle. Collision coverage provides financial protection for damages to the insured vehicle resulting from a collision, regardless of fault. Comprehensive coverage, on the other hand, covers damages from non-collision events, such as theft, vandalism, or natural disasters.

Life insurance, however, is not included in a personal auto policy as it serves a completely different purpose. Life insurance provides financial protection and benefits to beneficiaries upon the death of the insured, whereas personal auto policies focus specifically on protecting vehicles and their associated liabilities. Therefore, life insurance is the coverage that does not fall under the scope of a standard personal auto policy.