Registered Insurance Brokers of Ontario (RIBO) Practice Exam

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

1. A vehicle being hit by another car

2. A windshield being smashed by a falling boulder

3. Theft of personal belongings from a car

4. A collision with an animal

The correct answer is: A windshield being smashed by a falling boulder

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 it pertains to damage caused by a collision or contact with an object that is not a vehicle. Comprehensive coverage typically protects against incidents that do not involve a collision with another vehicle, and falling objects fall squarely within this category. The other scenarios involve different types of incidents. A vehicle being hit by another car would generally fall under collision coverage rather than comprehensive. Theft of personal belongings from a car is typically covered under a personal property policy rather than automotive coverage. Lastly, a collision with an animal is usually considered a collision, which is covered under a different section of the insurance policy. Thus, the scenario with the falling boulder aligns specifically with the scope of comprehensive coverage.