Which situation would require a driver to file an insurance claim under property damage liability?

A driver is required to file an insurance claim under property damage liability when they cause damage to someone else's property due to a collision or impact. This type of insurance is specifically designed to cover costs associated with damage inflicted on another person's property as a result of an accident.

When a driver hits a parked car, they are liable for the damages caused to that vehicle, which necessitates filing a claim. Similarly, if they scrape a mailbox with their vehicle, they are also responsible for repairing or replacing the mailbox, making it necessary to file an insurance claim. Even if a driver bumps into their own fence, it becomes relevant in the context of liability if that fence belongs to someone else or affects another's property.

In all these situations, the driver would typically need to notify their insurance provider to address the damages in accordance with property damage liability coverage. Therefore, each scenario involves potential claims against the driver’s insurance policy for property damage they may cause, highlighting the necessity to file a claim under property damage liability in each case.