Rogue Claims Adjuster

In one paragraph or less. No points for humor. Scare the pee out of me.

Odd natural wonder, roadside attraction, city, etc...

Opinions?

Insured is driving down the street. There is a passenger in the right front seat and a passenger in the back seat. The back seat passenger warns the inattentive driver about a stopped car ahead. The driver slams on the brakes and does not hit the car in front of them. The back seat passenger flies into the back of the front seat and is injured or claims injury.

Has there been an accident?

I've seen this paid both ways. Opinions?

An insured is driving a pickup trunk with a pallet full of bricks in the back. The driver brakes and the load of bricks slides forward and smashes the back of the cab of the truck and the back window.

Is it a collision claim or a comprehensive claim?

I've seen this one paid both ways:

The insured is driving down the street. A car coming in the opposite direction hits a large rock in the road and the rock slides across the surface of the road. The insured runs over the moving rock and it damages the oil pan of the vehicle.

Is it a collision claim or a comprehensive claim?

A skunk sprays the inside of an automobile.

1) Is it a covered loss?

2) Is there "damage"?

3) Is the air inside a vehicle covered property?

Homeowner calls the insurer. His 200 ft deep well has gone dry. The policy has (HO-3) all-risk coverage for "other structures". The well is an "other structure". The claimed peril is "drought". Drought is not an excluded peril. (No other cause can be identified that caused the well to go dry. There is no earth movement.) The homeowner claims the insurer owes them a new well.

Is there coverage? If covered would the replacement well be required to be drilled only to 200 ft or would it have to go down until it hit water?