What type of claim will Flora file for the damage to her car after the accident?

Flora will file a first-party claim for the damage to her car after the accident when she seeks compensation from her own insurance company. This type of claim arises when a policyholder files a claim for coverage under their own insurance policy, typically for damage to their own vehicle or property caused by an accident, theft, or other incidents.

In this scenario, Flora is dealing with her own vehicle, which she will seek to repair or replace, thus making it a first-party claim. It's important to understand that first-party claims are directed at the insurance policy that covers the insured individual, allowing them to benefit from the coverage they have purchased.

This context distinguishes first-party claims from third-party claims, which involve the policyholder seeking compensation from the insurance company of another party that is liable for damages. Since Flora is looking to her own insurance for reimbursement for her car's damage, it specifically classifies as a first-party claim.