Personal Auto PolicyCâu 401 / 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
Giải thích
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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Câu hỏi liên quan cùng chủ đề
- The difference between uninsured and underinsured motorists coverage is that underinsured coverage responds when the other driver:
- Under Part D of a personal auto policy, a collision loss is damage to the covered auto caused by:
- A car strikes a deer at dusk and sustains $1,900 in damage. The policy carries a $250 other-than-collision deductible and a $500 collision deductible. The insurer pays:
- A rock thrown up by a passing truck cracks the insured's windshield. Under Part D this loss is:
- Rising flood water fills the insured's parked car and ruins it. Under a personal auto policy carrying both physical damage coverages, the loss is:
- Vandals scratch the paint and slash the seats of a parked car, causing $1,250 in damage. The auto carries a $250 other-than-collision deductible. The insurer pays:
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