Dwelling Policy (DP)Question 284 of 474
A neighbor's car skids off the road into a dwelling insured on a basic form with extended coverage. The damage is:
a.Excluded, since vehicle damage requires an auto policy
b.Covered, because vehicles is one of the basic form perils
c.Excluded, unless the driver's own insurer denies the claim
d.Covered, because vehicles is an extended coverage peril
Explanation
Vehicles sits in the extended coverage group along with windstorm or hail, explosion, riot, aircraft, smoke, and volcanic eruption, so the endorsed basic form pays for the struck building. The property claim does not wait on the driver's auto insurer, though the dwelling carrier may pursue subrogation against the neighbor afterward.
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