Ontario Automobile Insurance Policy! Trivia Questions Quiz

Explanation
When an insured's vehicle runs over debris left on the road, the coverage required is collision. Collision coverage protects against damage to the insured vehicle caused by colliding with another object, such as debris on the road. Comprehensive coverage, on the other hand, covers damage to the insured vehicle caused by non-collision events, such as theft, vandalism, or natural disasters. Direct compensation coverage applies when the insured is not at fault in an accident and their own insurer compensates for the damages.

Explanation
In this scenario, the insured's vehicle was struck by a deer on the passenger side. This type of incident would fall under comprehensive coverage. Collision coverage typically applies when the insured's vehicle collides with another vehicle or object, whereas comprehensive coverage covers damages caused by events other than collisions, such as theft, vandalism, or animal collisions. Since the vehicle was struck by a deer, which is an event other than a collision with another vehicle or object, comprehensive coverage would be required to cover the damages.

Explanation
Comprehensive coverage is required in this scenario because it covers damage to the insured's vehicle caused by incidents other than a collision with another vehicle. In this case, the rock cracking the windshield is not a result of a collision, but rather a random event. Therefore, comprehensive coverage would be necessary to cover the cost of repairing or replacing the windshield.

Explanation
Direct compensation coverage would best respond in this situation because it covers the insured's vehicle for damages caused by another vehicle in an accident where the insured is not at fault. In this case, the insured's vehicle was rear-ended by another vehicle, so direct compensation coverage would provide compensation for the damages to the insured's vehicle. Collision coverage would only cover damages caused by a collision with another vehicle or object, and comprehensive coverage would cover damages caused by events such as theft, vandalism, or natural disasters.

Explanation
The insured is at fault for making a left turn and striking the TP vehicle, which means the insured's insurance coverage needs to cover the damages caused to the TP vehicle. Collision coverage is specifically designed to cover damages to the insured's vehicle when they are at fault in an accident, so it is the required coverage in this situation. Direct compensation coverage is not applicable here because it only covers damages to the insured's vehicle when they are not at fault. Comprehensive coverage is also not applicable because it covers damages caused by events other than collisions, such as theft or natural disasters.

Explanation
The best coverage that would respond in this situation is Direct Compensation. Direct Compensation coverage is a type of auto insurance coverage that allows the insured to be compensated for damages to their vehicle, even if they were not at fault for the accident. In this scenario, the insured's vehicle was rear-ended by a third party (TP), causing damage to their vehicle. Direct Compensation coverage would provide compensation for the damages to the insured's vehicle, as it was not their fault and they were stopped at a red light.

Explanation
In order for an ISA to confirm a claim as DCPD (NOT Fast Track), all of the following criteria must be met: all TP info is secured, if the insured has no collision coverage, a police report must be filed, and the insured is clearly 0% at fault for the accident. These criteria ensure that all necessary information is obtained, proper procedures are followed, and the insured is not responsible for the accident.

Explanation
Insured requires collision coverage

Explanation
Insured requires comp coverage

Explanation
Insured requires DC coverage

Explanation
a tire blown-out while driving is not a covered loss