Suppose that you have comprehensive car insurance and you allow your roommate (who doesn't have car insurance) to drive your car
to run an errand. What will likely happen if there is a single-car accident causing moderate damage to your car while your roommate is driving? Your friend will likely go to jail for theft of your car and destruction of property. Your insurance will likely pay for the damages and add your friend's accident to your record. Your friend will likely receive fines for driving without insurance. Your insurance policy will likely not cover the damages to your car.
The correct option is D, that is, YOUR INSURANCE POLICY WILL LIKELY NOT COVER THE DAMAGES TO YOUR CAR. A comprehensive car insurance is a type of car insurance which cover other damages to your car with the exception of collision. Comprehensive car insurance only cover damages that occur as a result of vandalism, disaster, theft, fire, etc,; it does not cover damages due to accident collision.
It is most likely the third choice. the first isn't plausible because you allowed him to use it, the second isn't because, yes the company will pay, but wont put the accident under your name if you were not directly involved, even if the car is yours. and the fourth isn't it because thats what your insurance company is there for, and if they don't do there job they shouldn't be in business
