Comprehensive Personal Liability insurance is designed to provide coverage for personal injuries and property damage that you might unintentionally cause to others. The correct choice reflects an incident that falls squarely within typical liability scenarios.
Running over a caddy with a golf mobile illustrates a situation where a personal liability claim could arise due to physical harm inflicted on another individual as a result of the policyholder's actions. This aligns perfectly with the purpose of Comprehensive Personal Liability insurance, which is to protect against claims of negligence or unintentional harm to others.
In contrast, the other scenarios do not clearly fit within the general coverage provided by this type of insurance. For example, skiing injuries would typically involve risks associated with the sport itself, which may not fall under personal liability. Accidental damage to rented equipment usually pertains to property insurance rather than liability coverage. Damage caused by pets can sometimes be covered under separate pet liability provisions or homeowner's insurance, but it often isn't covered under the general comprehensive personal liability umbrella, depending on the specific policy terms.