Personal Auto PolicyPregunta 401 de 474
The insured loses control on wet pavement and hits a guardrail, causing $3,400 in damage. The policy shows a $500 collision and a $250 other-than-collision deductible. The insurer pays:
a.$2,900, because impact with an object is a collision
b.$3,150, treating the guardrail as a falling object
c.$2,650, because both deductibles apply to one impact
d.$3,400, because road-condition losses are not reduced
Explicación
Striking a fixed object such as a guardrail is impact, so collision responds and the $500 deductible applies: $3,400 - $500 = $2,900. Calling the guardrail a falling object would apply the $250 comprehensive deductible for $3,150, but the auto struck the rail rather than being struck by it. Deductibles are not stacked on a single loss.
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