Bo Hunter, an insured with a $500 deductible collision coverage on his car, sustains an accident with a deer

Question

Question: Bo Hunter, an insured with a $500 deductible collision coverage on his car, sustains an accident with a deer called “Wild Thing” while on a hunting trip to Minnesota. The auto suffers  $600 damage. In addition to the collision coverage, Bo also has a $0 deductible on the other than collision coverage in his auto policy. Bo can recover from his insurer

Options:

1.  $100
2.  Full loss under supplementary payments up to $500
3.  Full loss of $600
4.  Nothing, this damage is not covered
5.  $600 less the $500 deductible under the uninsured motorist coverage

Answer 1

3. Full loss of $600

Bo Hunter, an insured with a $500 deductible collision coverage on his car, sustains an accident with a deer called “Wild Thing” while on a hunting trip to Minnesota. The auto suffers $600 damage.

In addition to the collision coverage, Bo also has a $0 deductible on the other than collision coverage in his auto policy. Bo can recover from his insurer full loss of $600.