Personal Auto PolicyQuestion 403 of 474
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:
a.Covered as an other-than-collision loss, less the deductible
b.Excluded, because flood is excluded on all property forms
c.Covered only if a separate flood policy is purchased first
d.Covered as a collision loss, less the collision deductible
Explanation
Water and flood are named other-than-collision causes of loss on the auto form, so a flooded car is settled as a comprehensive loss subject to that deductible. Homeowners and dwelling forms do exclude flood, which is why the choice calling flood universally excluded fails; auto physical damage is the exception. Federal flood insurance covers buildings and their contents, not cars.
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