Personal Auto PolicyPregunta 416 de 474
A pothole shreds a tire on the insured's car. Under Part D the tire itself is:
a.Covered in full, since tires are permanently attached
b.Covered as an other-than-collision road hazard loss
c.Excluded, as road damage to tires is not covered
d.Covered as a collision loss above the deductible
Explicación
Road damage to tires sits with wear and tear, freezing and mechanical breakdown in the Part D exclusions, so the tire alone is the owner's expense. If the same pothole bends a wheel and a control arm, that impact damage is a collision loss subject to the deductible, which is why treating the whole claim as a comprehensive road hazard is wrong. The exclusion is lifted when the damage results from a total theft.
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