Q. Our insured backed out of the driveway and hit his wife’s car. Both are insured on the same Texas TDI PAP and the adjuster is applying the collision deductible to each covered auto. Is this correct?
A. Yes, if it is a Texas TDI PAP, the physical damage deductible applies per covered auto when more than one covered auto is involved in a single claim. If this was an ISO PAP, only the highest deductible applies to the entire claim.