Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following conditions is necessary for Coverage C to apply?

1. Injury must occur on unoccupied premises

2. Injury must be caused by an insured action

3. Injury must result from contractual obligation

4. Injury must result from a manufacturing defect

The correct answer is: Injury must be caused by an insured action

To understand why the appropriate condition for Coverage C is the necessity for the injury to be caused by an insured action, it’s important to recognize what Coverage C encompasses. This coverage typically pertains to personal liability, which protects the insured against claims of bodily injury or property damage that result from their actions or negligence. Coverage C is designed to respond to circumstances where the insured party’s behavior or actions directly lead to an injury or damage to another person or their property. Therefore, for a claim to be valid under Coverage C, there must be a clear link indicating that the injury was a consequence of something the insured did or failed to do, thus reinforcing the principle of liability. Other options like requiring the injury to occur on unoccupied premises, stemming from a contractual obligation, or resulting from a manufacturing defect do not fit the criteria for Coverage C. These scenarios do not directly involve the actions of the insured that would typically invoke liability. Coverage C focuses solely on the actions of the insured that may lead to liability for injuries to others, making it essential that the injury arises from an insured action to trigger this particular coverage.