Property & Casualty Insurance Exam (National Portion)Types of PoliciesMedium
An insured has a Personal Auto Policy (PAP) with collision and comprehensive coverage. They are involved in an accident where their car strikes a deer. Which part of their PAP would cover the damage to their vehicle?
- APart A - Liability Coverage
- BPart D - Coverage for Damage to Your Auto
- CPart B - Medical Payments Coverage
- DPart C - Uninsured Motorists Coverage
Show answer & explanationAnswer & explanation
Correct answer: B. Part D - Coverage for Damage to Your Auto
Damage to an insured's vehicle from hitting an animal (like a deer) is typically covered under Comprehensive (Other Than Collision) coverage, which falls under Part D - Coverage for Damage to Your Auto of the Personal Auto Policy.
Why the other options are wrong
- A. Part A covers liability to others, not damage to the insured's own vehicle.
- C. Part B covers medical expenses for the insured and passengers, not vehicle damage.
- D. Part C covers damages if the other at-fault driver is uninsured, not damage from hitting an animal.
PAP Part D - Damage to Your Auto
Part D of the Personal Auto Policy (PAP) covers physical damage to the insured's vehicle, typically split into Collision coverage and Other Than Collision (Comprehensive) coverage.
- Collision covers damage from impact with another object or vehicle, or upset.
- Other Than Collision (Comprehensive) covers damage from perils like fire, theft, vandalism, falling objects, and hitting an animal.
- Both coverages usually have a deductible.
- Does not cover wear and tear, mechanical breakdown, or custom equipment unless endorsed.
Memory trick: PAP's 'D' is for 'Damage' to 'Your Auto'.