What would be a typical example of an "excess liability" claim?

An "excess liability" claim refers to a situation where the damages from an incident surpass the limits of a primary liability insurance policy. Typically, this occurs in cases involving significant injuries or substantial property damage that exceeds the financial coverage provided by a standard auto insurance policy.

In this context, a high-value injury claim exceeding policy limits is a quintessential example of an excess liability claim. For instance, if an insured individual is involved in an accident where there are serious injuries to others, and the total medical expenses and other damages exceed the limits of their liability coverage, they would face an excess liability claim. In such scenarios, the policyholder could be held responsible for the difference, which emphasizes the importance of having adequate liability coverage to protect against potentially devastating financial consequences.

The other choices present scenarios that either involve minor claims, routine repairs, or incidents covered by specific types of insurance (like comprehensive), which would not typically involve the need for excess liability coverage. Therefore, they do not meet the criteria of exceeding the limits of a primary liability insurance policy in the context of significant injury or damage.