A company truck backs into a parked vehicle while delivering materials. Which coverage area should be checked first?
Correct Answer
A) Commercial auto.
Vehicle accidents involving company vehicles generally point first to commercial auto coverage.
Why This Is the Correct Answer
Vehicle accidents involving company vehicles generally point first to commercial auto coverage.
Why the Other Options Are Wrong
Option B: General liability for third-party property damage, without reviewing the vehicle coverage.
General liability for third-party property damage, without reviewing the vehicle coverage. belongs to a different file or record trail; it does not prove the commercial auto insurance event.
Option C: Builder risk for materials stored at the jobsite.
Builder risk for materials stored at the jobsite. belongs to a different file or record trail; it does not prove the commercial auto insurance event.
Option D: Workers' compensation for the driver injury exposure.
Workers' compensation for the driver injury exposure. belongs to a different file or record trail; it does not prove the commercial auto insurance event.
Memory Technique
Administrative proof for Reporting Delivery: event, approval, receipt, follow-up.
Reference Hint
Study anchor (closed-book): memorize cited employment duty from CSLB 2026 Law Book; CSLB workers' compensation guidance; California. / CSLB Law Book insurance study concepts; know the rule or calculation trigger without relying on exam-room lookup.
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