If the insured has physical damage coverage on a personal auto and hits a light pole while driving a borrowed auto, the damages to the borrowed auto may be covered by

Rationale

Collision coverage may cover the damages to the borrowed auto.

Collision coverage is designed to protect against damage to a vehicle resulting from a collision with another object, which includes hitting a light pole. Since the insured has physical damage coverage on their personal auto, this coverage typically extends to borrowed vehicles during the incident.

A (Supplementary payments coverage) YOUR ANSWER

Supplementary payments coverage typically refers to additional payments made by an insurer for costs related to a claim, such as legal fees or bail bonds, rather than coverage for physical damage to a vehicle. Therefore, it does not provide coverage for damages incurred from a collision.

B (Other than collision coverage) YOUR ANSWER

Other than collision coverage, often referred to as comprehensive coverage, protects against damages not resulting from a collision, such as theft, vandalism, or natural disasters. Since the incident involved a collision with a light pole, this type of coverage would not apply.

C (Collision coverage) CORRECT

Collision coverage directly addresses damages resulting from a collision with another object, including the situation described. Since the insured hit a light pole while driving a borrowed vehicle, their collision coverage would apply to the damages to that vehicle.

D (No fault coverage) YOUR ANSWER

No fault coverage pertains to personal injury protection that allows insured individuals to receive benefits regardless of fault in an accident. It does not provide coverage for property damage to vehicles, thus not applicable to the situation of hitting a light pole.

Conclusion

In this scenario, collision coverage is the relevant type of insurance that would address the damages to the borrowed auto after hitting a light pole. While other coverage types such as supplementary payments, other than collision, and no fault coverage serve distinct purposes, they do not apply to physical damage resulting from a collision. Hence, collision coverage is essential for protecting against such incidents, ensuring that the insured's liabilities are managed effectively.

If the insured has physical damage coverage on a personal auto and hits a light pole while driving a borrowed auto, the damages to the borrowed auto may be covered by

Collision coverage may cover the damages to the borrowed auto.

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