Rhode Island Insurance Adjuster Exam

An insured has liability and comprehensive coverage. How much will the settlement be for damages to a windshield valued at $300?

1. All damages will be paid

2. Only the glass damage is covered

3. Only the bumper damage will be covered

4. No settlement will be offered

The correct answer is: Only the glass damage is covered

In this scenario, the focus is on comprehensive coverage, which typically includes damage to glass, such as a windshield. When an insured has comprehensive coverage, it often provides for the repair or replacement of damaged glass without a deductible or with a minimal deductible, depending on the policy specifics. Since the question specifies that the damage is to a windshield valued at $300, the appropriate approach under comprehensive coverage would indeed be to cover the glass damage. Therefore, the settlement would specifically address only the windshield, consistent with the nature of comprehensive coverage that protects against non-collision-related damages, such as those caused by flying debris, weather events, or vandalism. Though liability coverage is mentioned, it pertains to damages the insured might cause to another party's property or bodily injury and does not apply in this case to the insured's own windshield damage. Thus, the coverage details affirm that only the glass damage qualifies for settlement, supporting the correct answer in this context.