Under basic and broad forms, which peril involves damage caused by a vehicle owned or operated by the insured?

Under basic and broad forms, which peril involves damage caused by a vehicle owned or operated by the insured?

• A. Aircraft or vehicles
• B. Vandalism
• C. Riot or civil commotion
• D. Smoke

Answer: (A)

The key idea is recognizing which listed peril specifically covers damage caused by a vehicle owned or operated by the insured. In basic and broad property forms, one of the named perils is damage by aircraft or vehicles. This covers damage to the insured’s property caused by a vehicle (like a car) that is owned or operated by the insured. The other options describe different causes of damage—vandalism is intentional damage, riot or civil commotion is damage from civil unrest, and smoke refers to smoke damage from a fire—none of which match the scenario of a vehicle-caused loss. So, the peril that fits is the one that explicitly names aircraft or vehicles.

The key idea is recognizing which listed peril specifically covers damage caused by a vehicle owned or operated by the insured. In basic and broad property forms, one of the named perils is damage by aircraft or vehicles. This covers damage to the insured’s property caused by a vehicle (like a car) that is owned or operated by the insured. The other options describe different causes of damage—vandalism is intentional damage, riot or civil commotion is damage from civil unrest, and smoke refers to smoke damage from a fire—none of which match the scenario of a vehicle-caused loss. So, the peril that fits is the one that explicitly names aircraft or vehicles.