Which insurance protections apply to agency vehicles?

• A. No insurance required
• B. Property damage only
• C. Only liability coverage
• D. Comprehensive liability coverage, collision, and uninsured motorist where applicable

Answer: (D)

Agency vehicles should have a full set of auto insurance that covers both third‑party losses and the vehicle’s own protection. Liability coverage is essential because it pays for injuries or property damage you cause to others, but that alone leaves the agency’s own vehicle and its drivers exposed in other scenarios. Collision coverage takes care of repair or replacement after crashes, while comprehensive coverage handles non-crash damage such as theft, vandalism, or weather-related incidents. Uninsured motorist coverage protects you when the other driver lacks sufficient insurance, which can be crucial for bodily injury and sometimes related damages. Whether uninsured motorist protection applies depends on the policy and local requirements, but when available, it completes the protection needed for agency vehicles. That combination—comprehensive, collision, and uninsured motorist where applicable—along with liability, provides the broadest and most practical protection for agency vehicles.