Question

Which of the following losses would be covered by Part D of a standard Personal Auto policy providing both "Other Than Collision" (Comprehensive) and "Collision" coverage?

a. A front tire blows out in a high-speed head-on collision, which also causes extensive damage to the vehicle.
b. Collision coverage applies to damages caused to your own vehicle due to accidents where you are found to be at fault.
c.Other than collision coverage (often referred to as comprehensive coverage) covers losses that occur due to events other than collisions.
d.Hail Damage: If your windshield is damaged by hail.

Answer 1

In a standard Personal Auto policy, collision coverage takes care of damages from accidents, while comprehensive coverage handles non-collision events. Head-on collision damage would be covered under collision coverage, whereas hail damage to the windshield would fall under comprehensive coverage.

Step-by-step explanation:

In a standard Personal Auto policy with both Other Than Collision (Comprehensive) and Collision coverage, certain types of losses are covered based on the nature of the damage.

a. A front tire blows out in a high-speed head-on collision, which also causes extensive damage to the vehicle. This scenario would be covered under Collision coverage, as it pertains directly to damages caused by a collision.

b. Collision coverage is indeed designed to cover damages to your own vehicle when accidents occur and you are found at fault.

c. Other than collision coverage is what is commonly referred to as Comprehensive coverage. It protects against losses due to events that are not collision related.

d. If your windshield is damaged by hail, this loss would be covered under Comprehensive coverage because hail damage is a non-collision event and is included under the "Other Than Collision" segment of the policy.