Policy: ERIE's Personal Auto Policy

Scenario: Insured involved in a collision loss. The airbags deploy. Insured carries Comp coverage but not Collision coverage. Question: Is there coverage for the deployed air bags under Number 4 of the Additional Payments Section since the qualifier for this section is for the insured to carry either Comp or Collision Coverage? Could this section act as its own insuring grant?

However, does the Collision Coverage insurance agreement that immediately precedes the Additional Payments section serve to preclude coverage in this scenario to the point where the Additional Payments section would not come into play?

Pennsylvania Subscriber

The additional coverage should supersede the statement under collision. The additional coverage is just that, additional, so it's an extra coverage added above the standard coverages. The air bag deployment should be covered.

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