Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Is collision with a tree covered under the specified perils section in an auto insurance policy?

1. Yes, it is covered

2. No, it is not covered

3. Only if the tree falls on the vehicle

4. Only under comprehensive coverage

The correct answer is: No, it is not covered

The specified perils section in an auto insurance policy typically covers certain types of risks, such as fire, theft, and specific natural events, but does not generally include collision with objects like trees. In a standard auto insurance policy, damage from colliding with a stationary object, like a tree, is considered a collision claim, which would be covered under collision coverage specifically, not by specified perils. Other options reflect various conditions under which collision might be addressed, but they do not align with how specified perils are defined in typical auto insurance policies. Comprehensive coverage, while it may cover damage from certain events involving trees (such as if the tree falls), does not relate to collision situations where a vehicle intentionally strikes an object. Thus, the answer is consistent with the norms of auto insurance coverage.