Personal Auto PolicyQuestion 399 of 474
Under Part D of a personal auto policy, a collision loss is damage to the covered auto caused by:
a.Impact with another vehicle or object, or upset of the auto
b.Fire, theft or glass breakage while the auto is parked
c.Any loss that occurs while the auto is being driven
d.Contact with a bird or animal while the auto is moving
Explanation
Collision means the covered auto striking another vehicle or object, or overturning. Fire, theft and glass breakage are other-than-collision causes of loss, and contact with a bird or animal is listed there as well, so the choice naming animal contact points at the wrong coverage. Which cause of loss applies decides which deductible is subtracted.
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