IBABC Fundamentals of Insurance 2025 – 400 Free Practice Questions to Pass the Exam

A "chargeable claim" under Autoplan insurance typically refers to a claim that may impact the insured's future premiums. In the context of the provided choices, a collision claim is considered chargeable because it involves an accident where the insured is at fault or partially at fault. Such claims are associated with the financial responsibility for damages resulting from the accident and can result in an increase in insurance premiums for the policyholder upon renewal.

In contrast, property damage claims, comprehensive claims, and medical claims may not necessarily be classified as chargeable in the same way collisions can be. Property damage claims can be chargeable, but they often depend on fault determination and specific circumstances. Comprehensive claims generally pertain to non-collision incidents, like theft or vandalism, and may be treated differently by insurers. Medical claims, associated with injury treatment due to an accident, also do not directly influence premium calculations in the same manner as a collision claim, thus reinforcing why the collision claim stands out as a clear example of a chargeable claim.