Question

match the scenarios with the appropriate car insurance coverage.
property damage liability
collision insurance
uninsured motorist coverage
piper accidentally backed her car into a utility pole, causing damage.
piper’s car is hit by a driver who speeds away without stopping, and she cant identify them.
while driving, piper hit a curb, causing damage to her car’s wheel and suspension.

Explanation:

1. For "Piper accidentally backed her car into a utility pole, causing damage": Property damage liability covers damage to someone else's property (the utility pole here) from the insured's actions.
2. For "Piper’s car is hit by a driver who speeds away without stopping, and she can’t identify them": Uninsured motorist coverage applies when the at - fault driver is uninsured (or in this case, unidentified and likely uninsured as they fled) and covers the insured's damages.
3. For "While driving, Piper hit a curb, causing damage to her car’s wheel and suspension": Collision insurance covers damage to the insured's own vehicle from a collision (with the curb here).

Answer:

1. Piper accidentally backed her car into a utility pole, causing damage: property damage liability
2. Piper’s car is hit by a driver who speeds away without stopping, and she can’t identify them: uninsured motorist coverage
3. While driving, Piper hit a curb, causing damage to her car’s wheel and suspension: collision insurance