Other Than Life (OTL) Practice Exam

Which of the following is NOT covered under the specified perils section of an auto policy?

1. Collision with a tree

2. Damage to car roof due to overturn during a riot

3. Ferryboat sank, taking auto with it

4. Pitmarks in windshield from hail

The correct answer is: Collision with a tree

The specified perils section of an auto policy typically outlines the risks that are specifically covered. In this case, collision with a tree would actually fall under the collision coverage of an auto policy, rather than the specified perils section. Collision coverage is designed to pay for damage resulting from the vehicle's impact with other objects, such as trees, regardless of the cause. In contrast, damage to the car roof during a riot would be covered under specified perils since it pertains to damage from civil disturbance. The incident involving the ferryboat sinking would also fall under specified perils, as it deals with transportation-related risks that could be covered. Additionally, pitmarks in the windshield from hail might be considered a covered event under comprehensive coverage, which often overlaps with the types of risks outlined in specified perils. Therefore, the correct answer identifies an option that does not align with the kinds of risks typically included in the specified perils section, emphasizing the specifics of coverage in auto insurance policies.