Question

Is damage caused to an auto by an earthquake part of the OTC coverage in a personal auto policy?

1) true
2) false

Answer 1

No, earthquake damage to an auto is not covered under the OTC coverage of a personal auto policy. Comprehensive coverage is typically needed to cover such incidents.

Step-by-step explanation:

No, damage caused to an auto by an earthquake is not covered under the OTC (Other Than Collision) coverage in a personal auto policy. OTC coverage typically includes incidents such as theft, fire, vandalism, and contact with an animal. Earthquake damage falls under comprehensive coverage, which is a separate type of coverage that can be added to a personal auto policy. For example, if your car is damaged by an earthquake and you have comprehensive coverage, the insurance company will typically cover the cost of repairs or the actual cash value of the car if it is deemed a total loss. However, it's important to check the specific terms and conditions of your insurance policy to understand what is covered and any deductibles that may apply.

Answer 2

No, earthquake damage is not part of the OTC coverage in a personal auto policy. The correct answer to the question is 2) false.

Step-by-step explanation:

No, damage caused to an auto by an earthquake is not part of the OTC (Other Than Collision) coverage in a personal auto policy.

OTC coverage typically covers damage caused by events such as theft, vandalism, fire, explosions, or falling objects, but it does not include earthquake damage. Earthquake damage falls under a separate type of coverage, called earthquake insurance.

Therefore, the correct answer to the question is 2) false.