Personal Auto PolicyQuestion 404 of 531
A thief smashes a window of the insured's covered auto and takes a $1,400 laptop from the seat. Under Part D the insurer pays for:
a.The laptop and the window, less one deductible
b.Neither item, since Part D excludes theft
c.The laptop only, as theft is comprehensive
d.The window, as the laptop is not covered property
Explanation
Part D insures the covered auto and its equipment, so the broken window is an other-than-collision loss subject to that deductible, but personal belongings carried in the car are not covered property. The laptop is a contents claim for a homeowners or renters policy. Theft is squarely an other-than-collision peril, so treating the whole claim as excluded is wrong.
This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- An insured's car is destroyed in a collision. Its actual cash value is $6,400, the collision deductible is $500, and the wreck still has scrap value. The insurer:
- After a covered collision an insured's only car sits in the shop for 40 days while she rents a car at $25 a day. On the standard form, transportation expenses are reimbursed as:
- A parked car's engine block cracks during a hard freeze and the repair comes to $3,100. Under Part D the loss is:
- An insured is injured by a hit-and-run driver and wants to claim under Part C. Part E requires that she:
- Before a damaged covered auto goes in for repair, the duties in Part E require the insured to:
- An insured inflates a genuine $2,000 physical damage claim to $9,000 with invented repairs. Under the general provisions of the policy:
Last reviewed: · editorial process
PrepPass team · Verified against California Property & Casualty Insurance License Exam · How we review