Question 14

A man files an insurance claim when he accidentally steers his boat into a rock.

This situation describes a first party claim, as the man is filing a claim for damage to his own property resulting from an accident he caused.

A) A man files an insurance claim after getting bitten by the neighbor's dog.

This scenario represents a third party claim rather than a first party claim. The man is seeking compensation for injuries caused by the neighbor's dog, making it a claim against the dog owner's liability insurance.

B) A man files an insurance claim when he accidentally steers his boat into a rock.

This is a first party claim because the man is claiming for damages to his own boat, which he owns and operates. The claim arises from his own actions and seeks to recover losses related to his property.

C) A mother files a claim after her child is injured on a public playground.

This case typically involves a third party claim. The mother would likely seek compensation from a party responsible for maintaining the playground, rather than filing a claim for damage to her own property.

D) A woman files an insurance claim after the driver of a car rolls over her foot in a parking lot.

This situation is also a third party claim because the woman is claiming for injuries sustained due to another person's actions. The claim would be directed at the driver's liability insurance rather than her own insurance.

Conclusion

The correct answer is clearly identified as option B, which illustrates a first party claim involving the man’s own property damage. The other options involve claims against third parties for injuries or damages caused by others, which do not qualify as first party claims. Thus, option B stands out as the only scenario where the claimant is directly addressing damage to their own property.