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    « Two Minutes With Tim - NY SHIELD Act - What Do Insurance Agencies Have To Do? | Main | Two Minutes With Tim: NY Reg 187 - February 1, 2020 Compliance Date »

    January 22, 2020

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    Bill Wilson

    This is wrong:

    "Animal damage is covered if you have optional comprehensive coverage. If you only have collision coverage, then you’re not covered."

    I've seen 1-2 personal auto policies that do restrict coverage for an animal collision to comprehensive coverage. However, the ISO PAP and every other personal auto policy I've seen has no such limitation.

    A collision is a collision. IF you have comprehensive coverage, though, it's covered there. The advantage is that the comp deductible is often less than the collision deductible and there likely is no rating penalty as their quite likely would be with a collision claim.

    However, in the unlikely event that your personal auto policy covers collision and not comprehensive, if the language is like that in the ISO PAP, it's certainly covered as a collision.

    ISO's business auto policy is worded in an even clearer way. Check out this article:

    https://insurancecommentary.com/myth-only-comprehensive-coverage-covers-hitting-a-deer/

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