Questions: If one of the named insured's autos is involved in a collision and the windshield is shattered, this is a comprehensive only loss a collision only loss a specified cause of loss either a comprehensive or a collision loss, at the insured's option

If one of the named insured's autos is involved in a collision and the windshield is shattered, this is
a comprehensive only loss
a collision only loss
a specified cause of loss
either a comprehensive or a collision loss, at the insured's option
Transcript text: If one of the named insured's autos is involved in a collision and the windshield is shattered, this is a comprehensive only loss a collision only loss a specified cause of loss either a comprehensive or a collision loss, at the insured's option
failed

Solution

failed
failed

The answer is the fourth one: either a comprehensive or a collision loss, at the insured's option.

Explanation for each option:

  1. A comprehensive only loss: Comprehensive coverage typically covers damage to a vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters. While a shattered windshield could be covered under comprehensive, it is not exclusively a comprehensive loss if it occurs during a collision.

  2. A collision only loss: Collision coverage applies to damage resulting from a collision with another vehicle or object. If the windshield shattering is due to a collision, it could be considered a collision loss, but it is not exclusively a collision loss.

  3. A specified cause of loss: This typically refers to specific perils listed in an insurance policy, such as fire, theft, or vandalism. A shattered windshield from a collision does not typically fall under specified causes of loss unless explicitly listed.

  4. Either a comprehensive or a collision loss, at the insured's option: Many insurance policies allow the insured to choose whether to file a claim under comprehensive or collision coverage for certain types of damage, such as a shattered windshield. This option provides flexibility depending on the circumstances and the insured's coverage preferences.

In summary, the correct answer is that it can be either a comprehensive or a collision loss, at the insured's option, depending on the specifics of the insurance policy and the circumstances of the incident.

Was this solution helpful?
failed
Unhelpful
failed
Helpful