In the scenario where Flora causes damage to Cam’s billboard, what type of claim will Flora file?

In the scenario where Flora causes damage to Cam’s billboard, the appropriate claim to file would be a third-party claim for billboard damage. A third-party claim arises when a policyholder's actions result in damage to someone else's property. In this case, Flora is responsible for the damage to Cam's billboard, making her the liable party in a third-party claim scenario.

The first-party claim, which involves filing for her own car damage, would not apply because Flora is not seeking compensation for her own loss, but rather for the damage she caused to another person’s property. A liability claim against Cam would be inappropriate as Flora is not the injured party in this situation; rather, she is the one at fault. Lastly, a comprehensive claim typically relates to coverage for non-collision incidents, such as theft or natural disasters affecting the insured's own property, and not for damage caused to another party’s property.

Thus, the correct understanding here is that Flora will file a third-party claim due to her liability for the damage she caused to a significant asset owned by Cam.