Florida Insurance Licensing Practice Exam

In the case of William's auto collision with a deer, which coverage under his Personal Auto Policy would afford coverage?

1. Extended Non-Owned coverage

2. Uninsured Motorists

3. Collision coverage

4. Other than Collision coverage

The correct answer is: Other than Collision coverage

In the case of a collision with a deer, Collision coverage would provide coverage for damage to William's vehicle. Extended Non-Owned coverage would only apply if William was driving a vehicle he does not own, Uninsured Motorist coverage would only apply if the deer was considered an uninsured motorist, and Other than Collision coverage would not cover damages from a collision with an animal. Therefore, Other than Collision coverage is the appropriate coverage in this situation.