Detail Loss Type 1
Insured swerved to avoid a pedestrian crossing outside of a crosswalk, lost control, and hit a guardrail.
Loss Type - Contact with another vehicle/property/participant
Detailed Loss Type - Insured hit a fixed object
Coverage: Collision – PDL
While backing out of a driveway, insured struck a pedestrian walking behind their car.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Insured hit a Pedestrian/Bicyclist
Coverage: Collision
Insured’s tire blew out while driving, but they managed to pull over safely. Only damage is to the tire.
Loss Type: Miscellaneous
Detailed Loss Type: Tire Blew Out
Coverage: comprehensive
Insured was pulling a trailer and trailer falls off.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Insured hit a Fixed Object (if trailer is listed separately on policy–detailed loss type would be hit fixed object for trailer claim as well)
Coverage: Collision
Insured was merging onto the freeway and hit a vehicle already in that lane.
Loss Type: Contact with other vehicle/property/participant
Detailed Loss Type: Changing Lanes
Coverage: Collision – PDL
Insured was entering an intersection on a green light, but another vehicle ran a yellow turning left. Insured struck the side of that vehicle, which then spun and hit a third car.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Intersection Accident
Coverage: Collision – PDL
Insured’s car was stolen from a shopping mall. Two days later, police found it abandoned.
Loss Type: Theft
Detailed Loss Type: Total Theft Recovered
Coverage: pending, no coverage discussion
Insured’s vehicle caught fire in their driveway, and flames spread to a neighbor’s parked car.
Loss Type: Miscellaneous
Detailed Loss Type: Vehicle Burned
Coverage: Comprehensive – PDL
Insured returned to their parked car at the mall to find the bumper smashed in with no note.
Loss Type: Contact with another vehicle/property/participant
Detailed loss type: Parked Asset - Participant hit Parked Insured
Coverage: Collision – PDL
Insured hit a deer at night, lost control, then struck a mailbox.
Loss Type: Animal
Detailed Loss Type: Insured hit an animal + 1 property
Coverage: Comprehensive – PDL
Insured was reversing and hit a parked car with two passengers sitting inside.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Parked Asset – Insured hit Parked Participant
Coverage: Collision – PDL
Insured’s child was climbing out of the car when the door slammed shut on their hand, causing injury.
Loss Type: PIP/Med Pay
Detailed Loss Type: Insured/Resident Relative injured Entering/Exiting a Parked Asset
Coverage: No coverage discussion
During a heavy storm, insured’s windshield fogged up, and while turning, they struck a bicyclist in the crosswalk.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Insured hit a Pedestrian/Bicyclist
Coverage: Collision – PDL
Claimant swerved to avoid a rolling shopping cart and hit the insured’s legally parked car.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Parked Asset – Participant hit Parked Insured
Coverage: Collision – PDL
Insured and claimant were each trying to move into the middle lane from opposite sides when they collided.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Changing Lanes
Coverages: Collision – PDL
Insured rear-ended another vehicle pushing them into a third vehicle, causing this last vehicle to deviate and hit a stop sign
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Rear-end Accident – Multiple Cars + 1 property
Coverage: Collision – PDL
Box flew off a truck ahead and smashed into insured’s windshield.
Loss Type: Miscellaneous
Detailed Loss Type: Insured Asset hit by Falling/Flying Object
Coverage: Comprehensive
Insured’s tire blew out on the highway, causing them to strike a median wall.
Loss Type: Contact with another vehicle/property/participant
Detailed Loss Type: Insured hit a Fixed Object
Coverage: Collision – PDL
Insured stated that someone put sugar inside the fuel tank, vehicle disabled.
Loss Type - Vandalism
Detailed Loss Type: Vandalism
Coverage: Comprehensive
Insured was backing from a driveway into the street and struck a passing vehicle.
Loss Type: Contact with other vehicle/property/participant
Detailed Loss Type: Backing Accident where both participants were moving
Coverage: Collision – PDL
While driving, insured’s hood suddenly flew up.
Loss Type: Miscellaneous
Detailed Loss Type: Other – Comprehensive
Coverage: Comprehensive
Insured accidentally filled car with diesel instead of regular gas. Vehicle disabled.
Loss Type: Miscellaneous
Detailed Loss Type: Other – Comprehensive
Coverage: Comprehensive
Insured’s parked car was struck by a runaway cart during strong winds.
Loss Type: Miscellaneous
Detailed Loss Type: Shopping Cart
Coverage: Comprehensive
Insured drifted briefly into another lane, forcing claimant to swerve into a guardrail. The two cars never touched.
Loss Type: Contact with other vehicle/property/participant
Detailed Loss Type: Unknown Loss Facts
Coverage: Collision – PDL
The insured was stopped at a red light when two individuals approached the vehicle, pulled the insured out by force, and stole the car. Insured suffered a shoulder injury during the struggle. Police later recovered the vehicle with damages.
Loss Type #1: PIP/Med Pay
Detailed Loss Type: Insured/Resident Relative Injury due to Assault/Carjacking
Coverage: no coverage discussion
Loss type #2: Loss Type - Theft
Detailed Loss Type: Total Theft Recovered
Coverages: pending, no coverage discussion