Georgia Personal Lines Agent Practice Exam 2025 - Free Personal Lines Agent Practice Questions and Study Guide

The correct answer is comprehensive claim, as this category of claims specifically addresses damages to an insured's vehicle that are not the result of a collision. Under the Personal Auto Policy (PAP), comprehensive coverage includes a variety of non-collision incidents, including damage caused by animals.

This is important for policyholders to understand, as comprehensive coverage typically protects against losses arising from events such as theft, vandalism, fire, and animal collisions, among others. Since damage from an animal falls under these non-collision incidents, it is aptly classified as a comprehensive claim.

Furthermore, collision claims specifically cover damages resulting from vehicle-to-vehicle or vehicle-to-object impacts, which would not apply in the case of an animal causing damage. Liability claims involve situations where the insured is deemed responsible for damages to another party's property or injury, and personal injury claims focus on bodily injury rather than property damage. Thus, comprehensive claims are clearly the appropriate classification for handling animal damage under the PAP.