This was on my CE course…am I crazy?

[jjmcubbin]

If the driver damaged his car swerving to avoid hitting a deer, which coverage would they need to cover the damage?
A. Medical payments
B. Uninsured motorists
C. Collision
D. Other than collision

I got it wrong because I put C and they are saying the answer is D. Have I been telling customers wrong for 6 years

Edit to add: I read this as they swerved to miss the deer and didn’t hit it.

Also another question was something along the lines of if a squirrel gets in your car and you swerve it’s comprehensive….. I will not be using betterce again

 

[colindominic]

@jjmcubbin I would think you need more information. If he hit something other than the deer, it’s absolutely collision. If he swerved but still hit the deer, it’s comp. Your CE is wrong!

 

[pokiespaws]

@colindominic So the deer did not have insurance?

 

[jjmcubbin]

@pokiespaws They are known to be kinda sketchy I’d imagine not

 

[lman]

@pokiespaws Deer insurance: "Nice car you've got there. Be a shame if anything happened to it."

 

[theseekeroftruth]

@jjmcubbin Needs more specifics - how was the car actually damaged?

Doesn't say he hit the deer, doesn't say he hit anything else, doesn't say he rolled the car. Doesn't say what sort of damage it is, safety glass or body or mechanical.

He swerved so hard he broke a tie rod end without hitting anything?

 

[jjmcubbin]

@theseekeroftruth To me it sounds like he didn’t hit the deer and had damage but yes it’s a terrible question overall.

 

[name123]

@jjmcubbin That's is how CE works. The questions are poorly worded and often wrong.

 

[jjmcubbin]

@name123 The squirrel one absolutely blows my mind though lol.