Which scenario would NOT result in coverage under the AAIA?

Choosing the scenario of driving under the influence as one that would not result in coverage under the AAIA is correct because most auto insurance policies, including those governed by the AAIA (Automobile Accident Insurance Act), typically exclude coverage when the driver is operating the vehicle under the influence of alcohol or drugs. This is because driving under the influence is considered reckless behavior, and insurers often have specific terms and conditions that void coverage in situations where illegal activity contributes to an accident or incident.

The other scenarios—accidental injury, vehicle theft, and damage from a natural disaster—are generally covered under various provisions of auto insurance policies. For instance, accidental injury usually falls under liability coverage, which provides protection when an insured driver causes bodily harm to others. Vehicle theft is covered under comprehensive insurance policies, protecting against non-collision events. Damage from a natural disaster is also covered in many auto insurance policies, particularly those that include comprehensive coverage, which is designed to handle various non-collision-related damages to the vehicle.