Mary Purchases Automobile Insurance Including All Types of Coverage Available

Mary purchases automobile insurance including all types of coverage available.Mary is driving home from work one afternoon when there is a severe thunderstorm threatening the town in which she lives.She hears on the radio that this storm contains large hail.She considers going directly home without making a planned stop at a building supply store so that she can put the car in her garage,but decides to take a chance and stop at the store anyway.While she is in the store,heavy hail falls and breaks out three of the windows in her car.Just as she is leaving,she notices a couple of vandals who break out the remaining windows of her car and flee.Which would be covered under the comprehensive portion of Mary's auto insurance policy?

A) Both the hail damage and the vandalism damage.
B) The vandalism damage,but not the hail damage,because she assumed the risk by choosing to leave her car parked outside in the storm.
C) Damage from neither source would be covered because her actions choosing to park outside in the storm was the proximate cause of both types of damage.
D) The damage from the hail storm,but not the vandalism because it was the willful act of third parties who are responsible for the damage they caused.
E) The damage from the hail storm,but the vandalism damage only if the vandals are caught and prosecuted.

Correct Answer:

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