Personal Auto PolicyQuestion 415 of 474
The transmission on the insured's car fails from age and the repair bill is $3,600. Deductibles are $500 collision and $250 other than collision. Part D pays:
a.$3,100, the repair cost less the collision deductible
b.$3,600, because the car became undriveable in service
c.Nothing, as wear and breakdown are excluded
d.$3,350, the repair cost less the comprehensive amount
Explanation
Part D excludes damage due and confined to wear and tear, freezing, and mechanical or electrical breakdown, so an aging transmission is a maintenance cost rather than an insured loss. Neither deductible answer applies, because no covered cause of loss triggered the claim at all. The exclusion gives way only when such damage results from a total theft of the auto.
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