Question 21

Liability coverage excludes damage or injury done intentionally by the insured.

Liability coverage under the Personal Auto policy does not cover damages or injuries that are intentionally inflicted by the insured. This is a critical aspect of liability coverage, which is designed to protect against accidental harm rather than deliberate actions.

A) breakage of glass to the insured's vehicle

This option is incorrect because breakage of glass to the insured's vehicle typically falls under comprehensive coverage rather than liability coverage. Liability coverage specifically addresses damages inflicted on others, not on the insured's own property.

B) damage or injury done intentionally by the insured

This option is correct as liability coverage expressly excludes damage or injury that is intentionally inflicted by the insured. Insurance policies are structured to provide protection against accidental occurrences, not deliberate acts.

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

This option is incorrect because liability coverage is designed to cover property damage caused by the insured to another person's vehicle. Therefore, this type of damage is included under liability coverage, not excluded.

D) expenses for emergency treatment

This option is incorrect as well. Liability coverage does not cover expenses for emergency treatment, which are typically covered under medical payments or personal injury protection, rather than liability provisions.

Conclusion

The exclusion of intentionally inflicted damage or injury emphasizes the nature of liability coverage, which is meant to provide protection against unintentional harm. All other options represent types of damages or expenses that are either covered or related to the insured's own property, reinforcing the distinction that liability coverage specifically addresses accidental incidents.