Rhode Island Insurance Adjuster Exam

What type of claim is an insured likely to file for damages caused to their own vehicle?

1. Comprehensive claim

2. Liability claim

3. Property damage claim

4. Personal injury claim

The correct answer is: Comprehensive claim

An insured is likely to file a comprehensive claim for damages caused to their own vehicle because comprehensive coverage is specifically designed to protect against damages that occur due to events other than a collision. This can include incidents such as theft, vandalism, or damage from natural disasters. In the context of an auto insurance policy, comprehensive coverage serves to safeguard the policyholder's vehicle against a wide range of non-collision-related risks, ensuring they can recover losses associated with such incidents. In contrast, liability claims generally cover damages inflicted on another party's vehicle or property due to the insured’s actions. Property damage claims often pertain to damage to someone else's property, not the insured's own vehicle. Personal injury claims focus on bodily injuries sustained by the insured or others in an accident rather than property damage. Therefore, the most appropriate type of claim for damages to the insured’s own vehicle is indeed a comprehensive claim.