What Personal Auto coverage would pay for damages to a covered auto caused by a collision with a deer?

What Personal Auto coverage would pay for damages to a covered auto caused by a collision with a deer?

• A. Collision
• B. Other-than-Collision
• C. Comprehensive
• D. Uninsured Motorist

Answer: (B)

When you think about how auto physical-damage losses are paid, there are two main coverages: Collision and Other-than-Collision (Comprehensive). Collision pays for damage to your car from a collision with another vehicle or object (or a rollover). Other-than-Collision covers perils not caused by a collision with another vehicle, including events like theft, vandalism, weather-related damage, and also impact with animals. Hitting a deer is categorized as a non-collision peril involving wildlife, so it falls under Other-than-Collision. That’s why damages from a deer strike would be paid by the Other-than-Collision coverage.

When you think about how auto physical-damage losses are paid, there are two main coverages: Collision and Other-than-Collision (Comprehensive). Collision pays for damage to your car from a collision with another vehicle or object (or a rollover). Other-than-Collision covers perils not caused by a collision with another vehicle, including events like theft, vandalism, weather-related damage, and also impact with animals. Hitting a deer is categorized as a non-collision peril involving wildlife, so it falls under Other-than-Collision. That’s why damages from a deer strike would be paid by the Other-than-Collision coverage.