Personal Auto InsuranceQuestion 3 of 158
An insured strikes a deer on a rural California highway, damaging the front of the vehicle. Under the Personal Auto Policy, this loss is paid under:
a.Other Than Collision (Comprehensive)
b.Collision
c.Liability (Part A)
d.Medical Payments (Part B)
Explanation
Although hitting an animal feels like a collision, the Personal Auto Policy classifies impact with a bird or animal as an Other Than Collision (Comprehensive) loss under Part D. This usually means the lower comprehensive deductible applies rather than the collision deductible.
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