6. 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
Answer: C
The damages to the borrowed auto may be covered by collision coverage.
Collision coverage applies in scenarios where an insured vehicle, regardless of ownership, incurs damage due to a collision with another object, such as a light pole.
A) Supplementary payments coverage
Supplementary payments coverage typically refers to additional benefits that may be available under liability insurance, such as coverage for legal defense costs. It does not provide coverage for physical damage to vehicles, making it irrelevant in this context.
B) Other than collision coverage
Other than collision coverage, often referred to as comprehensive coverage, protects against damages to a vehicle from non-collision-related incidents such as theft or vandalism. Since the damage in this scenario is a result of a collision, this option does not apply.
C) Collision coverage
Collision coverage is specifically designed to cover damages resulting from collisions with other vehicles or objects, which aligns perfectly with the context of the insured hitting a light pole while driving a borrowed auto. Therefore, this option is correct as it directly addresses the situation described.
D) No fault coverage
No fault coverage applies to personal injury claims and does not address property damage to vehicles. Since the question pertains to damage to the borrowed auto and not injuries, this option is not applicable.
Conclusion
Collision coverage is the definitive answer here as it specifically covers the cost of repairs for damages sustained in a collision, regardless of whether the vehicle is owned by the insured. All other options fail to address the specific need for coverage related to physical damage from a collision scenario. Thus, collision coverage is the only relevant choice for this situation.