Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following is NOT an example of personal and advertising injury liability?

1. Invasion of privacy

2. False arrest

3. Property theft

4. Defamation of character

The correct answer is: Property theft

In the context of personal and advertising injury liability, the correct answer is property theft because it does not fall under the umbrella of personal injury or advertising injury liability. Personal and advertising injury refers specifically to offenses that result in harm to a person's reputation or the violation of their personal rights, particularly in a commercial context. Invasion of privacy, false arrest, and defamation of character all relate directly to violations of individual rights or reputational harm. For instance, invasion of privacy refers to unauthorized intrusion into someone's personal life, false arrest involves wrongful detainment, and defamation of character pertains to making false statements that could harm someone's reputation. Each of these actions can result in legal claims against the offender, emphasizing their role in personal and advertising injury. In contrast, property theft is primarily a matter of property damage or loss and typically does not pertain to personal or advertising injuries, which does not involve the physical taking of another's belongings but rather addresses non-physical harms related to an individual's reputation or personal rights. Thus, property theft is fundamentally different from the other options listed.