Rhode Island Insurance Adjuster Exam 2025 – Complete Study Guide

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.