How does comprehensive coverage apply when a vehicle is used by someone other than the owner?

Comprehensive coverage is designed to protect a vehicle against damage that is not the result of a collision, such as theft, vandalism, or natural disasters. When a vehicle is used by someone other than the owner, comprehensive coverage remains in effect and continues to protect the vehicle against these types of risks.

The coverage is typically tied to the vehicle itself rather than the specific driver. This means that as long as the vehicle is being operated in a manner consistent with the terms of the policy, comprehensive coverage applies even if the person driving the vehicle is not the owner. This is particularly important for vehicle owners, as it allows them to ensure that their vehicle is covered regardless of who is behind the wheel at the time of the incident.

In this context, the other options do not accurately reflect the nature of comprehensive coverage. For instance, stating that it is void for unauthorized users suggests that coverage is contingent upon who is driving, which is not the case with comprehensive coverage. Similarly, the notion that only the owner's driving is insured does not align with the fact that vehicles are generally insured for a wider range of drivers unless otherwise specified. Additionally, requiring additional premium payments would not be standard practice for comprehensive coverage applying to other drivers, as the vehicle remains covered under