Which policy covers death, bodily injury, and property damage of third persons even if the insured drives recklessly?

Prepare for the IC Non-Life Insurance Agent Exam. Study with flashcards and multiple choice questions, each question includes hints and explanations. Ensure your success on the test!

The correct choice is the Motor Car Policy because it is designed to provide coverage for liabilities arising from the operation of a motor vehicle, including death, bodily injury, and property damage inflicted upon third parties. This policy ensures that even if the insured engages in reckless driving, the coverage will apply to claims made by affected third parties. It reflects the general principle of liability insurance in that it protects against legal liability for damages caused by the insured's actions while operating a vehicle.

The other options, while they may provide various forms of coverage, do not specifically emphasize the liability aspect characteristic of a Motor Car Policy. For instance, a Motorcycle Insurance Policy typically covers motorcycles specifically but may not extend similar liability protections concerning third-party claims. A Comprehensive Car Insurance Policy usually includes broader coverage such as theft and damage to one’s own vehicle, but it may not necessarily focus on coverage of liabilities in reckless driving scenarios. No Fault Insurance primarily covers medical expenses and lost wages without assigning fault, which does not align with the liability coverage for death and bodily injury to third parties caused by reckless driving.

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