Florida Insurance Claims Adjuster License Practice Exam

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Hail damage to an auto is an example of?

  1. An exclusion to Part A-Liability

  2. An exclusion to Part D-Physical Damage

  3. Other than collision

  4. Collision

The correct answer is: Other than collision

Hail damage to an auto is classified as "Other than collision" (comprehensive) coverage. This covers damages caused by events other than a collision, such as fire, theft, flood, and yes - hail! Both options A and D are incorrect as they refer to collision coverage, which covers damages caused by a collision with another vehicle or object. Option B is incorrect as it refers to physical damage coverage, which is a broad term that encompasses both collision and comprehensive coverage. Therefore, option C is the most accurate and specific answer.

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