Which of the following is typically covered by motor vehicle insurance?

Motor vehicle insurance is fundamentally designed to protect against risks associated with the operation of a vehicle. Coverage under a typical motor vehicle insurance policy includes three primary types: liability coverage, which protects you against claims if you are responsible for injuring someone or damaging their property; collision coverage, which pays for damage to your own vehicle resulting from a collision regardless of who is at fault; and comprehensive coverage, which protects against damages to your vehicle from non-collision events such as theft, vandalism, or natural disasters.

When considering the context of the other choices, they do not pertain to vehicle operation. Flood damage to property falls under different forms of property insurance, not vehicle insurance. Medical expenses for unrelated health issues are covered by health insurance rather than motor vehicle insurance, as they have no connection to vehicle use. Lastly, damages unrelated to vehicle use would be addressed by other types of insurance policies that are specific to those situations, not by motor vehicle insurance. Hence, option B accurately captures the various ways that motor vehicle insurance protects vehicle owners and operators.