Florida Insurance Licensing 2025 – 400 Free Practice Questions to Pass the Exam

When a rock breaks the windshield, it falls under the coverage of Other Than Collision (often referred to as comprehensive coverage). In this scenario, the insured has a $100 deductible for Other Than Collision. Given that the total cost for repairs amounts to $675, the deductible must be subtracted from this figure to determine the final amount paid by the insurance company.

To calculate the amount that will be covered, you would subtract the $100 deductible from the total repair cost of $675. The calculation is as follows:

$675 (total repair cost) - $100 (deductible) = $575

Thus, the insurance will cover $575, which is the amount remaining after applying the deductible to the repair costs for the windshield. This is why the correct option is that the payout will be $575 under Other Than Collision, with the applicable deductible taken into account.