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?
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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