Question 11

Damage to the insured's automobile is covered under Part D - physical damage, other than collision coverage.

This type of coverage applies to damages incurred by hitting an animal, such as a deer, which does not involve a collision with another vehicle.

A) Part A - liability, supplementary coverage

This option is incorrect because Part A pertains to liability coverage, which addresses damages the insured may cause to others, rather than damage to the insured's own vehicle. Since the question focuses on damage to the insured's automobile, this coverage does not apply.

B) Part C - uninsured motorists coverage

This option is also incorrect as Part C provides coverage for injuries sustained by the insured or their passengers when involved in an accident with an uninsured driver. It does not cover physical damage to the insured's vehicle, making it irrelevant to the situation of hitting a deer.

C) Part D - physical damage, collision coverage

While Part D relates to physical damage, this specific option refers to collision coverage, which applies when the insured’s vehicle collides with another vehicle or object. Since the damage in this case results from hitting a deer, which is classified under 'other than collision,' this option is not the best fit.

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

This option is correct because it specifically covers damages that occur to the insured's vehicle due to incidents that are not classified as collisions, such as hitting a deer. This provides the necessary coverage for the scenario described.

Conclusion

Part D - physical damage, other than collision coverage is the definitive answer as it specifically addresses the type of incident described in the question. Other options either pertain to liability or do not cover damages from hitting an animal, thus failing to provide the necessary protection for the insured's vehicle.