Collision is a defined term in the Personal Auto Policy, so there is not a lot of debate about what collision means.
According my copy of the Personal Auto Policy published by The Insurance Service Office (ISO), Form PP 00 01 01 05, Part D - Coverage For Damage To Your Auto, Paragraph B...
“Collision” means the upset of “your covered auto” or a “non-owned auto” or their impact with another vehicle or object.
Loss caused by the following is considered other than “collision”:
1. Missiles or falling objects;
2. Fire;
3. Theft or larceny;
4. Explosion or earthquake;
5. Windstorm;
6. Hail, water or flood;
7. Malicious mischief or vandalism;
8. Riot or civil commotion;
9. Contact with bird or animal; or
10. Breakage of glass.
If breakage of glass is caused by a “collision”, you may elect to have it considered a loss caused by “collision”.
I hope I've answered your question. If not, feel free to call, fax or email me.
Kevin P. Foley, CPA, CPCU
PFT&K Insurance Brokers
T 877-414-2031
F 877-405-3025
E kpfoley[at]kpfoley[dot]com
W www[dot]kpfoley[dot]com
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According my copy of the Personal Auto Policy published by The Insurance Service Office (ISO), Form PP 00 01 01 05, Part D - Coverage For Damage To Your Auto, Paragraph B...
“Collision” means the upset of “your covered auto” or a “non-owned auto” or their impact with another vehicle or object.
Loss caused by the following is considered other than “collision”:
1. Missiles or falling objects;
2. Fire;
3. Theft or larceny;
4. Explosion or earthquake;
5. Windstorm;
6. Hail, water or flood;
7. Malicious mischief or vandalism;
8. Riot or civil commotion;
9. Contact with bird or animal; or
10. Breakage of glass.
If breakage of glass is caused by a “collision”, you may elect to have it considered a loss caused by “collision”.
I hope I've answered your question. If not, feel free to call, fax or email me.
Kevin P. Foley, CPA, CPCU
PFT&K Insurance Brokers
T 877-414-2031
F 877-405-3025
E kpfoley[at]kpfoley[dot]com
W www[dot]kpfoley[dot]com