A car accident in a rural area of Durango, Colorado is reported to Succeed Insurance.

In Guidewire ClaimCenter, an Incident is the data object used to capture the specific facts about "what" was damaged or affected during the loss event. It serves as the foundation for creating Exposures (the financial liabilities).

Vehicle Incident (Option C):The scenario states that the insured's car has been "severely damaged" on the passenger side. To record these facts—including the point of impact, the severity, and the vehicle description—the Adjuster must create aVehicle Incident. This incident will eventually support the collision coverage exposure.

Property Incident (Option B):The accident involved the car hitting a "windmill tower," resulting in "broken parts" to the base. In ClaimCenter, damage to third-party non-vehicular objects (like fences, poles, buildings, or towers) is captured using aFixed Property Incident(often referred to generically as a Property Incident). This incident records the damage description and ownership of the windmill, which is necessary to handle the Property Damage Liability claim.

Why other options are incorrect:

Option E (Injury):The scenario explicitly states the driver is "not physically injured." Therefore, an Injury Incident is not required.

Option A ("Another structure"):The standard object for third-party fixed property damage is the Property Incident/Fixed Property Incident, not "Another structure."

Option D (Loss of Use):While possible later, the primary immediate damage is physical. Loss of Use is usually a secondary exposure type, not the primary incident definition for the tower itself.