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Insurance · Auto Insurance

A deer runs into the road and a driver swerves to avoid it, hitting a guardrail. Which coverage applies?

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

Collision — the vehicle struck an object (guardrail)

  1. A Liability
  2. B Comprehensive — hitting an animal or swerving to avoid one is a comprehensive claim
  3. C Collision — the vehicle struck an object (guardrail)
  4. D Uninsured motorist

Why this is the answer

This is a collision claim. COLLISION covers damage from impact with another vehicle or object — hitting the guardrail is a collision. COMPREHENSIVE covers damage from a deer STRIKE (the vehicle hits the deer). Swerving to AVOID the deer and hitting something else = collision. This is a classic and frequently tested distinction: deer contact = comprehensive; everything else that results from avoiding the deer (guardrail, ditch, rollover) = collision.
Source: P&C Exam, Collision vs Comprehensive

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About this topic: Auto Insurance

Auto insurance questions cover the personal auto policy: liability, medical payments, uninsured and underinsured motorist, collision and comprehensive coverages, who is an insured, exclusions and the state's financial-responsibility requirements. This is one of 16 Casualty Insurance questions on auto insurance, each with a full explanation on a single study page.

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