Which term describes an event that causes damage?

The term that describes an event causing damage is "Occurrence." In the context of insurance and adjustments, an occurrence is typically defined as an incident that results in loss or damage to property, or injury to a person. It encompasses a broad range of events that can trigger insurance claims and may include accidents, natural disasters, or any other events that lead to a financial loss.

Understanding this term is crucial for anyone working in automobile adjustments because it helps clarify the circumstances under which a claim may be filed and the subsequent investigation process. Each occurrence is assessed individually to determine coverage and liability, which is fundamental to the role of an adjuster.