Question 94

Bodily Injury coverage under the Business Auto Coverage Form includes injury to a pedestrian that the insured truck backs into.

Bodily Injury coverage under the Business Auto Coverage Form specifically protects against injuries caused to third parties, such as pedestrians, due to the operation of the insured vehicle. Thus, injuries sustained by a pedestrian that the insured truck accidentally backs into fall under this coverage.

A) To an employee injured while at work for the insured

This option is incorrect because injuries to employees while at work are typically covered under workers' compensation insurance, not under the Business Auto Coverage Form. Bodily Injury coverage is designed for third-party injuries, not those involving employees.

B) From the intentional discharge of pollutants from the insured vehicle

This option is incorrect as it refers to environmental liability rather than bodily injury. The Business Auto Coverage Form does not cover injuries related to the intentional discharge of pollutants; such incidents would fall under different types of liability insurance.

C) To a pedestrian that the insured truck backs into

This option is correct as it directly pertains to bodily injury sustained by a third party as a result of the operation of the insured vehicle. The policy is designed to provide coverage for incidents like this, where a pedestrian is injured.

D) Arising out of the operation of a fork lift

This option is incorrect because while a fork lift may be covered under specific auto or equipment policies, injuries arising from its operation are generally not covered under the Business Auto Coverage Form. This form primarily addresses vehicular accidents involving traditional motor vehicles.

Conclusion

The correct answer is C, as it aligns with the purpose of Bodily Injury coverage under the Business Auto Coverage Form, which is to provide protection for third-party injuries specifically resulting from the use of insured vehicles. Options A, B, and D fail to meet the essential criteria of the coverage, thus reinforcing that C is the definitive choice.