In 2022, Ryland realized damage to his car. The car was used purely for personal purposes. Ryland foes not expect to receive any insurance reimbursement for the damage.

Assuming that the per casuality dollar limitation threshhold and the AGI threshold are met. In which of the following situations does Ryland have a deductible loss?

1. a car accident, where Ryland was considered at fault, but not willfully negligent

2. flooding during a rainstorm that was part of a federally declared disaster

3. Rust that gradually ate away at the body over several years.

4. A thief who broke a window in order to remove some objects on the front seat.