Personal Auto PolicyQuestion 400 of 474
A car strikes a deer at dusk and sustains $1,900 in damage. The policy carries a $250 other-than-collision deductible and a $500 collision deductible. The insurer pays:
a.$1,150, because both deductibles apply to an animal strike
b.$1,650, since animal contact is an other-than-collision loss
c.$1,900, because animal strikes carry no deductible at all
d.$1,400, since striking a deer is treated as a collision
Explanation
Contact with a bird or animal is a named other-than-collision cause of loss, so the $250 deductible applies: $1,900 - $250 = $1,650. Treating the deer strike as a collision would wrongly subtract $500 and pay $1,400. One loss is subject to one deductible, and physical damage claims are not paid without one.
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