What type of impact would most likely have a damage rating of "FC"?

A damage rating of "FC," which stands for "Functional Crash," typically indicates a severe impact that has resulted in significant damage to the vehicle involved. When evaluating the examples given, a vehicle striking a utility pole head-on usually results in catastrophic damage to the front of the vehicle, well beyond what is considered minor or moderate damage. This type of collision often compromises the structural integrity of the vehicle and can lead to extensive damage to critical components.

The other options, while they can certainly cause damage, generally do not reach the severity that would classify them under an "FC" rating. For instance, a side-swipe collision can vary widely in damage depending on the angles and speeds involved, but it is usually less severe than a head-on impact with a solid object like a utility pole. A rear-end impact could also range from minor to significant damage, but typically, these impacts do not result in the same degree of destructive force. Similarly, a minor fender bender usually refers to minor touches that may not even cause any visible damage. Such incidents are commonly classified as low-impact and would not warrant an "FC" rating.

Therefore, a vehicle striking a utility pole head-on is the scenario that aligns most closely with a high damage rating such as