Glass breakage due to hitting a bird or animal, or due to a missile or falling object is covered under which coverage if purchased?

• A. Comprehensive
• B. Collision
• C. Liability
• D. Medical payments

Answer: (A)

This question tests how auto policies handle damage to your own vehicle from non-collision hazards. Comprehensive coverage is intended for damage not caused by a collision with another vehicle or object. Glass breaking from a bird or animal strike, or from a missile or falling object, falls into this category because there isn’t a contact with another vehicle involved. Comprehensive also covers items like theft, vandalism, fire, and natural disasters.

Collision coverage, by contrast, pays for damage to your car resulting from a collision with another vehicle or object, or from a rollover. Liability covers damage or injuries you cause to others and does not pay for your own vehicle’s damage. Medical payments covers medical expenses for you and your passengers, not property damage.

So, the coverage that applies to glass breakage from a bird/animal impact or from a missile or falling object is comprehensive.