Hail damage to an auto is an example of?

Hail damage to an auto is an example of?

• A. An exclusion to Part A-Liability
• B. An exclusion to Part D-Physical Damage
• C. Other than collision
• D. Collision

Answer: (C)

Hail damage is a non-collision peril, which is covered under Other than Collision (commonly known as comprehensive) within Part D of auto insurance. Because hail results from weather rather than an impact with another vehicle or object, it doesn’t fall under collision protection. Instead, and assuming the policy includes comprehensive coverage and a deductible, hail damage is paid under the Other than Collision provision, along with other non-collision losses like theft, fire, or vandalism. This is why the right choice is that hail damage falls under Other than Collision rather than collision or any liability exclusion.

Hail damage is a non-collision peril, which is covered under Other than Collision (commonly known as comprehensive) within Part D of auto insurance. Because hail results from weather rather than an impact with another vehicle or object, it doesn’t fall under collision protection. Instead, and assuming the policy includes comprehensive coverage and a deductible, hail damage is paid under the Other than Collision provision, along with other non-collision losses like theft, fire, or vandalism. This is why the right choice is that hail damage falls under Other than Collision rather than collision or any liability exclusion.