Which of the following is included under Comprehensive Insurance (MEDIUM) Motor Vehicle Policy?

• A. Own Damage and Theft.
• B. Liability only to third parties.
• C. The policy excludes own damage.
• D. The policy covers only in-transit risks.

Answer: (A)

Comprehensive motor vehicle insurance is meant to protect the vehicle itself as well as cover liability to others. It includes protection for damage to your own vehicle (own damage) and often theft, fire, and other risks, in addition to third‑party liability. The option that says “Own Damage and Theft” directly reflects the part of comprehensive coverage that protects your own vehicle, which is the core idea of this policy type. The other statements describe either liability-only coverage, an exclusion of own damage, or coverage limited to in-transit risks, none of which capture the full scope of comprehensive insurance.