Other Than Life (OTL) Practice Exam

What action should the insured take if they unintentionally hit an animal?

1. File a Third Party Liability claim

2. Report it to the police

3. Contact Animal Control

4. File a Collision claim

The correct answer is: File a Collision claim

When an insured individual unintentionally hits an animal with their vehicle, filing a Collision claim is the appropriate action to take. A Collision claim specifically addresses damages that arise from a collision with another object, including animals, regardless of whether the insured is at fault. This type of insurance coverage helps to cover the costs of repairs to the insured's vehicle due to the incident. Filing a Third Party Liability claim is generally reserved for situations where damage is caused to another person’s property or injury to another person. Reporting the incident to the police is typically required in cases of accidents involving injury or significant property damage, but it does not directly address the coverage aspect. Contacting Animal Control may be an appropriate action in some cases, especially if the animal is in distress or poses a hazard to others, but it does not resolve the insurance coverage or repair needs resulting from the collision. Thus, filing a Collision claim effectively manages both the damage to the insured's vehicle and the insurance process.