Question

While driving on the Pennsylvania Turnpike, William's auto has a collision with a deer that jumps in front of his car. In order for coverage to be afforded, William's Personal Auto Policy must have:

1• Extended Non-Owned coverage
2• Uninsured Motorists
3• Collision coverage
4• Other than Collision coverage

Answer 1

For William's auto collision with a deer, 'Other than Collision coverage' is required, as this covers damage from non-collision events. Collision coverage does not apply to animal hits, and Extended Non-Owned or Uninsured Motorists coverage are unrelated to this scenario.

Step-by-step explanation:

In the event of a collision with a deer, the coverage that would typically be required for William's auto on the Pennsylvania Turnpike is Other than Collision coverage, also known as comprehensive coverage. This type of insurance protects against damages to your car that occur as a result of events other than a collision with another vehicle, such as collisions with animals, theft, fire, vandalism, and natural disasters. Collision coverage is also necessary for the vehicle itself in case of damages from accidents with other vehicles or objects. However, it would not cover hitting an animal. The options like Extended Non-Owned coverage and Uninsured Motorists would not apply in this scenario. Extended Non-Owned coverage typically refers to coverage for vehicles that you use but do not own, such as a rental car, while Uninsured Motorist coverage protects you in case you're in an accident with a driver who does not have insurance or does not have enough insurance.