The other insurance clause for coverage A in the PAP applies on a pro rata basis. This means that if two or more policies cover one vehicle, each insurance company pays the portion that its policy limit bears to the total of all applicable limits. In this question there is $400,000 of total coverage (Company A's $100,000 + Company B's $300,000). This means that Company A has 1/4th of the total coverage in force ($100,000 is 1/4th of $400,000), which in turn means Company A would be responsible for paying 1/4th of the $100,000 loss, which equals $25,000. Other than collision Part D--Coverage for Damage to the Insured's Auto provides two major types of coverage: collision and other than collision (comprehensive) coverage. Other than collision (comprehensive) coverage includes fire, theft, explosion, earthquake, windstorm, missiles, falling objects, hail, water, flood, vandalism and malicious mischief, riot and civil commotion, glass breakage, and collision with birds or animals, wild or domestic. Other than Collision Other than collision coverage, also known as comprehensive coverage, protects against almost all accidental damage, with the exception of coverage provided under collision. Coverage includes losses due to fire, theft, explosion, earthquake, windstorm, missiles, falling objects, hail, water, flood, vandalism and malicious mischief, riot and civil commotion, glass breakage, and collision with birds or animals, wild or domestic. flood Part D-Coverage for Damage to the Insured's Auto provides other than collision (comprehensive) coverage and collision coverage. Other than collision coverage protects against almost all accidental damage, with the exception of coverage provided under collision, including fire, theft, explosion, earthquake, windstorm, missiles, falling objects, hail, water, flood, vandalism and malicious mischief, riot and civil commotion, glass breakage, and collision with birds or animals, wild or domestic. Damage from wear and tear, freezing and mechanical breakdown, and electrical breakdown (unless resulting from total theft of the auto) are excluded. Road damage to tires is also excluded. Terms in this set (160)Thad Joslin was judged at fault in an automobile accident. Three others were awarded damages of Thad Joslin was judged at fault in an automobile accident. Three others were awarded damages of $150,000, $75,000, and $75,000 due to injuries. Thad has 100/300 bodily injury liability coverage. What amount, if any, would not be covered by his insurance? Students also viewedRecommended textbook solutions
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