Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following is not included in the definition of personal and advertising injury?

1. False Arrest

2. Malicious Prosecution

3. Property Damage

4. Invasion of Privacy

The correct answer is: Property Damage

Personal and advertising injury refers to specific types of non-physical harm that can result from wrongful acts typically in the context of business activities, particularly related to advertising and personal injury claims. This definition typically includes acts such as false arrest, malicious prosecution, and invasion of privacy, as they directly impact a person’s rights or emotional well-being rather than their physical property. On the other hand, property damage involves harm to tangible property or physical assets. It is a separate category from personal and advertising injury, focusing on the damage or destruction of physical items rather than the harm done to an individual’s reputation or rights. Therefore, identifying property damage as not fitting into the definition of personal and advertising injury is accurate, as it deals specifically with physical repercussions, contrasting the non-physical nature inherent in personal and advertising injury claims.