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Under the ISO Personal Auto Policy (PP 00 01) Part D, an insured's covered auto is damaged when it strikes a deer that runs onto the highway. This loss is BEST characterized as which of the following?
ACollision loss, because the impact between the covered auto and the deer is treated as the auto striking an object in the roadway
BExcluded under Part D as a wear-and-tear or gradual-deterioration loss not arising from a sudden event
CCovered under Part A as a third-party liability loss owed to the owner of the animal that was struck
Other Than Collision (OTC) loss, because contact with a bird or animal is specifically defined as not a collision
Why this is the answer
Part D defines Collision as impact with another vehicle or object, or upset of the covered auto. The policy then enumerates losses considered OTC (not collision): missiles or falling objects, fire, theft or larceny, explosion or earthquake, windstorm, hail/water/flood, malicious mischief or vandalism, riot/civil commotion, contact with bird or animal, and breakage of glass. So deer impact is OTC. This matters because the insured may have different deductibles for Collision vs OTC, or may carry only one of the two.
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