Difficulty: Hard

Average Score: 33%

An insured hits a deer on the roadway. Under which coverage part of the personal automobile policy is the damage to the insured's automobile covered?

Rationale

Part D - physical damage, other than collision coverage.

This coverage applies when the insured's vehicle is damaged due to a collision with an animal, such as a deer, and is specifically designed to address damages that occur outside of traditional collision scenarios.

A (Part A - liability, supplementary coverage) YOUR ANSWER

Liability coverage is intended to protect the insured from claims made by other parties for bodily injury or property damage resulting from an accident where the insured is at fault. It does not cover damage to the insured's own vehicle, making it irrelevant for this scenario where the insured hits a deer.

B (Part C - uninsured motorists coverage) YOUR ANSWER

Uninsured motorists coverage protects the insured against damages caused by drivers who do not carry insurance. This coverage is specifically designed for accidents involving other vehicles and does not apply to damages incurred from hitting an animal, such as a deer.

C (Part D - physical damage, collision coverage) YOUR ANSWER

While collision coverage does cover damages to the insured's vehicle resulting from a collision with another vehicle or object, in this scenario, the damage is specifically due to hitting an animal. Part D includes "other than collision" coverage, which is more applicable for animal-related incidents.

D (Part D - physical damage, other than collision coverage) CORRECT

This coverage is specifically designed to cover damages to the insured's vehicle from non-collision incidents, including collisions with animals. It addresses a variety of situations that may not be covered under collision coverage and is the appropriate choice for damage incurred when hitting a deer.

Conclusion

When an insured hits a deer on the roadway, the coverage that applies is Part D - physical damage, other than collision coverage. This coverage is tailored to handle damages from non-collision events, making it suitable for incidents involving animals. Other options, such as liability and uninsured motorists coverage, do not provide the necessary protection for the insured's vehicle in this context.

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