Personal Auto PolicyQuestion 413 of 474
The insured borrows a neighbor's car and damages it in a collision costing $3,000. The insured's own two autos carry $250 and $500 collision deductibles. Part D pays:
a.$2,500, using the larger deductible on the schedule
b.Nothing, since a borrowed car is not a covered auto
c.$2,625, averaging the two deductibles on the policy
d.$2,750, using the broadest owned-auto coverage
Explanation
Coverage for a non-owned auto is the broadest coverage applying to any auto shown in the declarations, so the $250 deductible governs: $3,000 - $250 = $2,750. Choosing the $500 deductible applies the narrower of the two, and averaging deductibles is not a policy provision. Part D does reach a car driven with the owner's permission.
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