3. You have to rent a car while your own auto is being repaired for damage caused by running into a deer
The statements "A bike is stolen, a house loses shingles during a windstorm, you are sued for $50,000 following an auto accident with another driver and a friend sustains a broken arm due to slipping on a piece of ice from your refrigerator requiring medical treatment" are direct losses EXCEPT "you have to rent a car while your own auto is being repaired for damage caused by running into a deer".