USAA Licensing Practice Exam

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Question: 1 / 400

Which of the following does NOT fall under personal injury claims in CGL coverage?

False arrest

Property damage

In Commercial General Liability (CGL) coverage, personal injury claims typically refer to harm that affects an individual's reputation, emotional well-being, or personal freedoms, rather than physical damage to property. Personal injury claims include offenses such as slander and libel, which pertain to defamation, as well as false arrest, which involves the unlawful detention of an individual.

Property damage, on the other hand, involves physical damage to tangible assets or property, and is categorized separately from personal injury claims. The distinction is essential in CGL policies because personal injury coverage is aimed at addressing non-physical harms, while property damage coverage addresses the loss or damage to physical property. Understanding this differentiation in coverage types is critical for proper claims handling under a CGL policy.

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Slander

Libel

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