Personal Auto PolicyQuestion 402 of 474
A rock thrown up by a passing truck cracks the insured's windshield. Under Part D this loss is:
a.Covered by liability, as the truck driver is at fault
b.Excluded, because road debris damage is wear and tear
c.Collision, because an object struck the auto
d.Other than collision, as glass broken by a missile
Explanation
Breakage of glass and damage from a missile or falling object are named other-than-collision causes of loss, so the comprehensive deductible applies. Classing it as collision would apply the collision deductible, typically the larger of the two. Liability pays for damage the insured does to others, so it does not repair the insured's own glass.
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Related questions on this topic
- Under Part D of a personal auto policy, a collision loss is damage to the covered auto caused by:
- 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:
- The insured loses control on wet pavement and hits a guardrail, causing $3,400 in damage. The policy shows a $500 collision and a $250 other-than-collision deductible. The insurer pays:
- Rising flood water fills the insured's parked car and ruins it. Under a personal auto policy carrying both physical damage coverages, the loss is:
- Vandals scratch the paint and slash the seats of a parked car, causing $1,250 in damage. The auto carries a $250 other-than-collision deductible. The insurer pays:
- Physical damage coverage on a personal auto policy is best described as:
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