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.