In the incident where John rear-ended a Toyota Camry, which was then pushed forward to strike a pedestrian and a telephone pole, what peril is described?

• A. John rear ending a Toyota Camry
• B. Pedestrian injury
• C. Telephone pole impact
• D. Camry collision with another vehicle

Answer: (A)

The main idea here is identifying the cause of loss, or peril, in an auto collision. The Toyota Camry’s damage starts with being hit from behind by John’s vehicle—the rear-end collision. That act is the initiating peril that leads to the Camry being shoved into a pedestrian and a telephone pole. The pedestrian injury and the pole impact are downstream consequences of that initial crash, not the peril that caused the loss to the Camry. So the best description of the peril is the rear-end collision by another vehicle. The other events are outcomes of that initial crash, not the cause of the Camry’s loss.