Personal Auto PolicyQuestion 404 of 474
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:
a.$1,000, as vandalism is other than collision
b.$1,250, because vandalism carries no deductible
c.$750, applying a $500 collision deductible instead
d.Nothing, as vandalism is an excluded peril
Explanation
Malicious mischief, vandalism and civil commotion are named other-than-collision causes of loss, so the comprehensive deductible applies: $1,250 - $250 = $1,000. Nothing about a deliberate act by a stranger triggers collision, so subtracting a $500 collision deductible for $750 misreads the declarations. Physical damage coverage is not voided because the damage was intentional on the vandal's part.
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