Personal Auto PolicyQuestion 403 of 531
A parked car's engine block cracks during a hard freeze and the repair comes to $3,100. Under Part D the loss is:
a.Excluded, as freezing is not a covered cause
b.Paid in full since the car was parked
c.Paid under collision, as the block cracked
d.Paid under other than collision, less the deductible
Explanation
Part D excludes loss due to freezing, alongside wear and tear, mechanical or electrical breakdown, and road damage to tires, so the insured pays for the cracked block. Freezing sounds like weather damage, which is why candidates reach for other than collision, but the exclusion applies whichever physical damage coverage is in force.
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