Question

A driver is driving on the road and falls asleep at the wheel, the driver rolls the car over without hitting anything or anyone. What coverage applies?

1) OTC
2) homeowners liability
3) not covered
4) collision

Answer 1

Collision coverage is the applicable insurance when a driver rolls their car over without hitting anything or anyone, since it covers the vehicle for accidents involving a rollover. Option 4 is correct.

Step-by-step explanation:

When a driver falls asleep at the wheel, resulting in rolling the car over, the applicable insurance coverage is typically their automobile insurance, rather than homeowners liability. In this scenario, because the vehicular accident involved only the driver and their vehicle with no other party or object, the correct insurance to claim would be collision coverage.

Collision coverage is designed to cover the cost of repairing or replacing the driver's vehicle after an accident with another vehicle or object, including circumstances like rolling over or hitting a pole. However, Other Than Collision (OTC), also known as comprehensive coverage, covers damages to a vehicle that are not caused by collision but by other incidents such as theft, fire, or natural disasters.

Homeowners liability is irrelevant to car accidents as it applies to incidents occurring on one's property, while the assert 'not covered' would not apply if the driver holds collision coverage as part of their insurance policy.