Difficulty: Easy

Average Score: 100%

Under the Personal Auto policy, Liability coverage EXCLUDES

Rationale

Damage or injury done intentionally by the insured is excluded from Liability coverage.

Liability coverage under a Personal Auto policy is designed to protect insured individuals from claims of injury or damage they cause to others. However, it explicitly excludes coverage for any intentional acts, as these are not considered accidental and thus fall outside the protection offered by this insurance.

A (breakage of glass to the insured's vehicle) YOUR ANSWER

This situation typically falls under comprehensive coverage rather than liability coverage. Liability insurance is meant to cover damages to others, while breakage of glass in the insured's own vehicle is usually covered by a separate provision in the policy, making this choice incorrect.

C (property damage caused by the insured to another person's auto) YOUR ANSWER

This choice is incorrect because liability coverage is specifically designed to cover damages that the insured inflicts on another person's property, including their automobile. Thus, property damage to another person's auto caused by the insured would be covered under this policy.

D (expenses for emergency treatment) YOUR ANSWER

Emergency treatment expenses are generally covered under medical payments coverage or personal injury protection, not liability coverage. Liability coverage pertains to claims made against the insured for damages to others, so this option does not represent an exclusion under liability coverage.

Conclusion

Liability coverage under a Personal Auto policy is intended to protect against unintentional harm or damage to others. The only exclusion listed in the choices that aligns with this definition is damage or injury done intentionally by the insured, as such actions are not considered accidental and fall outside the scope of liability protection. Understanding these exclusions is vital for policyholders to ensure they have appropriate coverage for various scenarios.

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