Car Insurance question: Hitting a deer is 'collision' .. hitting a tree is 'other than collision'?

Answers:2   |   LastUpdateAt:2012-09-12 09:32:04  

Question
bison
Asked at 2012-05-12 15:42:20
Therefore, in a personal auto policy (PAP ) in case you hit a tree that is considered a ' shock ' . .. but if you hit a deer, is considered " other than collision.

... WHY?

Is it because the trees do not move and deer do?
Answer1CRRAnswered at 2012-07-24 17:30:03
In the conventional Pap smear, in most states, getting a deer is " other than collision." How policy is worded , however , is that if you do not have to "other than collision " coverage , in some states, they can collect under the collision coverage , by contact with an animal.

However, this little warning varies from state to state.
Answer2lajiAnswered at 2012-09-12 09:32:04
You have it backwards. MedlinePlus MedlinePlus Hitting the tree is collision. MedlinePlus MedlinePlus Hitting a deer collision is different. MedlinePlus MedlinePlus A tree is a fixed object. When you hit a fixed object (tree, building, sign, pothole) is a collision loss. Hitting other vehicles is also a waste of collision. Think of it this way-you "collide" with something. MedlinePlus MedlinePlus A deer is an animal. Other than collision (comprehensive) refers to hitting animals (deer, dogs, skunks, bears, etc.). Most policies specifically a list of hitting an animal as an Other than the loss of a collision. Collision covers except for things that are not hitting anything. (Fire, glass breakage, flood, theft). MedlinePlus MedlinePlus The main difference: Deer Leap ..... trees. MedlinePlus MedlinePlus So .... What if a deer runs out swerve, hit the deer and then go off the road and hit a tree? This usually works under collision Apart from pushing the deer. MedlinePlus MedlinePlus MedlinePlus EDIT: Since you are taking a test - here are a couple of things I see people travel when they are learning about auto policies and homeowners. MedlinePlus MedlinePlus When it comes to auto and homeowners - one thing that makes people stumble to cover medical expenses. MedlinePlus MedlinePlus This coverage is a very big difference in the automatic version and homeowners. MedlinePlus MedlinePlus Automobile Med Pay-payments for medical expenses (not wages / pain / suffering) incurred as a result of an accident to the occupants of the vehicle, regardless of fault (here's the different part) - is payable by residents named insured and home, and people who do not live in your home. MedlinePlus MedlinePlus Therefore, you and your friend is in a car - beaten. Both get credit for medical expenses up to the limit per person policy. MedlinePlus MedlinePlus Homeowners Med Pay-payments for medical expenses (not wages / pain / suffering) incurred as a result of injuries that occur on the premises of residence (insured), regardless of fault. However, it is worth it for the people who live there. Only covers people who do not live in your home. MedlinePlus MedlinePlus So - you and your friend are standing on the deck of his home and gives track and both fall. Since your friend does not live in your house will have a claim subject under medical payments (and probably also liability coverage). However, since he lives in the house insured - you do not have a claim for medical expenses. You are S.O.L. MedlinePlus MedlinePlus I've even had lawyers screwed it up, so I wanted to bring it to you. It is an important difference that will help you understand better the coverage. MedlinePlus MedlinePlus MedlinePlus Also - spoiling other people ask - is to determine what is covered by an auto policy. Many people think that personal property is covered when in the car. Not true. The auto policy specifically excludes personal property. MedlinePlus MedlinePlus So how do you know what is covered by the auto policy and what is covered by homeowners? Here's a simple rule that applies most of the time. If you were to take the car and turn it upside down and shake .... if it falls is not covered by the auto policy. MedlinePlus MedlinePlus Thus, the CD in your car - will fall. That is not covered by the auto policy. The CD player is installed on the board - not fall - is covered by the auto policy MedlinePlus. MedlinePlus Cell phones that are mounted in the car - not fall. They are now a permanent fixture in the car. Auto policy may cover. Cell phone that is just plugged into the cigarette lighter - fall - not covered by the auto policy MedlinePlus. MedlinePlus For that personal property is covered when damaged / stolen from a car -. You must file under your homeowners policy MedlinePlus MedlinePlus MedlinePlus Learn all this at a time can be very difficult. Hope this helps to clarify some of the issues for you. MedlinePlus MedlinePlus Good luck on your test.
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