Question

Hail damage to an auto is an example of?

1) An exclusion to Part A - Liability
2) An exclusion to Part D - Physical Damage
3) Other than collision
4) Collision

Answer 1

Hail damage to an auto is covered under 'Other than Collision' or Comprehensive coverage in automobile insurance, and is not part of Liability or Collision coverage.

Step-by-step explanation:

Hail damage to an auto is covered under 'Other than Collision' or Comprehensive coverage in automobile insurance, and is not part of Liability or Collision coverage. Hail damage to an auto is typically covered under a component of automobile insurance known as Other than Collision or Comprehensive coverage. This is neither related to Part A - Liability which covers damage the policyholder is legally responsible for, nor Part D - Physical Damage which includes Collision and Other than Collision coverages.

Specifically, hail damage would fall under Other than Collision as it does not result from driving into something or flipping the car, events that come under Collision coverage. An instance of hail damage to a car does not involve the legal liability of the driver, and thus, isn't covered by liability insurance.