Question

Refer to the coverages listed in question #7. The week after the accident, Jack is walking next to the tow truck that Mel was driving and notices a huge scrape down the passenger side of the truck. A wheel well is so badly dented to where it threatens to cut a tire, and a tool box lid on the side of the truck is so damaged it can't be opened. Jack calls the insurance company and files a collision claim to get the truck repaired. Is there coverage for damages to the truck under Jack's policy?

(A) Yes. Symbol #1 is listed under Garagekeepers coverage, and Jack's business included the Garagekeepers exposure.

(B) No. Since it was Jack's employee, Mel, who was at fault, Jack can't collect under this own insurance policy.

(C) No. Jack's tow truck is not "specifically described" for Physical Damage (i.e. Collision and Other Than Collision) coverage.

(D) Yes. Jack's policy includes Collision and Other Than Collision coverage for the tow trucks.

Answer 1

The damages to the truck aren't covered under Jack's policy because his tow truck isn't specifically described for Physical Damage coverage. Option '(C) No. Jack's tow truck is not "specifically described" for Physical Damage (i.e. Collision and Other Than Collision) coverage.' is correct.

Step-by-step explanation:

Jack's insurance policy covers damages to vehicles listed explicitly for Physical Damage coverage, and his tow truck isn't specified under Collision or Other Than Collision coverage. Even though the accident happened with his employee, Mel, driving the truck, the lack of specific description for coverage on Jack's policy for that particular vehicle leaves the damages uninsured. Symbol #1 under Garagekeepers coverage doesn't apply here as the tow truck itself isn't explicitly covered for Physical Damage.

Therefore, despite the collision being caused by an employee, Jack can't claim the damages under his policy due to the absence of the tow truck's specific description for Physical Damage coverage.

Correct Answer: (C) No. Jack's tow truck is not "specifically described" for Physical Damage (i.e. Collision and Other Than Collision) coverage.