Which auto coverage does the manual say will pay for damages in a hit-and-run crash you report to law enforcement?
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A.
Collision coverage.
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B.
Comprehensive coverage.
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C.
Uninsured motorist coverage. Correct
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D.
Basic liability coverage.
The answer is "Uninsured motorist coverage."
The manual points to uninsured motorist coverage as the type that pays after a hit-and-run reported to police. Collision coverage sounds like the obvious pick because it directly names what happened, and that is the trap; the manual specifically credits uninsured motorist coverage instead.
The traps in the wrong answers
A. Collision coverage.
Collision coverage is not the type the manual names for hit-and-run damages. This answer picks the label that names the event, missing that the manual specifies uninsured motorist coverage.
B. Comprehensive coverage.
Comprehensive coverage pays for damage from causes other than a collision: theft, weather, vandalism. This answer reaches for comprehensive because the word implies broad coverage of everything else.
D. Basic liability coverage.
Basic liability covers what you owe others, not damage to your own vehicle from a hit-and-run. This answer confuses liability's payment direction: it pays outward to others, not to the insured for hit-and-run damage.
This question tests your knowledge of Crash Procedures in Texas. Source: Texas Driver Manual, "Hit-and-Run Crashes," p.60..
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