Auto InsuranceQuestion 3 of 215
A covered vehicle is struck by a deer that bounds into the road. Under the Personal Auto Policy, which physical damage coverage responds to this loss?
a.Collision
b.Liability
c.Other Than Collision (Comprehensive)
d.Medical Payments
Explanation
Despite the impact, contact with a bird or animal is specifically classified as Other Than Collision (commonly called Comprehensive) under Part D of the Personal Auto Policy, not as a collision loss. Comprehensive also includes losses from theft, vandalism, glass breakage, fire, and falling objects. The deductible the insured pays will be the comprehensive deductible shown on the declarations.
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