Under Comprehensive Coverage, which losses have a $500 deductible per occurrence?

• A. Losses from theft, mischief, and vandalism
• B. Collision losses
• C. Personal property losses
• D. Glass breakage

Answer: (A)

Under Comprehensive Coverage, the deductible is applied to non-collision losses, and a common per-occurrence amount is set for certain perils. The losses from theft, mischief, and vandalism are the classic perils that trigger that $500 deductible per incident. When such a loss occurs, you pay the deductible first, and the insurer covers the rest up to policy limits, for each separate occurrence.

Collision losses are handled by collision coverage, which has its own deductible separate from comprehensive. Personal property losses aren’t typically addressed under auto comprehensive in the same way, and glass breakage can have its own arrangement (sometimes a separate glass deductible), so those don’t fit this specific deductible rule as described.