Personal Auto PolicyQuestion 20 of 474
Which of the following losses would be EXCLUDED under the Personal Auto Policy Part A (Liability)?
a.Bodily injury the insured negligently causes to a pedestrian
b.Damage the insured intentionally inflicts on another vehicle out of road rage
c.Bodily injury caused while the insured was lawfully changing lanes
d.Property damage caused by a permissive driver of the insured's covered auto
Explanation
Part A of the PAP excludes intentional acts. Liability insurance exists to fund unintended, accidental losses; intentional damage caused out of road rage is not covered, even if the loss is to a third party. Negligent acts, permissive use, and lawful lane changes that lead to accidents are exactly the kinds of unintended losses Part A is designed for.
Law Reference: ISO PAP Part A exclusionsThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- A 'newly acquired auto' under the Personal Auto Policy:
- Which Part of the Personal Auto Policy contains the general provisions such as territory, transfer of interest, cancellation, and termination?
- Which of the following is a duty owed by the insured to the insurer AFTER an accident or loss, as required by Part E of the Personal Auto Policy?
- An insured chooses California's minimum liability limits of 30/60/15 and does not sign a written waiver of Uninsured Motorist coverage. At what UM limits does the policy take effect by operation of law?
- A friend borrows the named insured's covered auto with permission and causes an at-fault accident, injuring a third party. Under the Personal Auto Policy:
- California law generally treats 'diminished value' (the loss in a vehicle's market value after a high-quality repair) under a first-party physical damage claim as:
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review