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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
Giải thích
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.
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