Other Than Life (OTL) Practice Exam

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Which policy section includes coverage for vehicle damage resulting from upset?

Collision
Comprehensive
Specified perils
All of the above

The correct answer is: Collision

The section of an insurance policy that includes coverage for vehicle damage resulting from upset is the collision section. Collision coverage specifically protects against damages that occur when the insured vehicle collides with another vehicle or object, or when it rolls over (which is the specific scenario referred to as "upset"). This type of coverage is essential for protecting the financial investment in a vehicle, especially following accidents that cause significant damage. While comprehensive coverage can also provide protection against various other types of vehicle damage, including those caused by non-collision incidents like theft or natural disasters, it does not cover damages resulting from rollovers or collisions directly. Specified perils may cover certain risks outlined in the policy but are not comprehensive for all vehicle damages. Therefore, the correct focus on where upset damage is covered is within collision coverage.