The insured buys a motorcycle and rides it without adding it to the personal auto policy. If the insured injures someone while riding, Part A:
Explanation
Part A excludes liability arising out of the ownership, maintenance or use of a vehicle having fewer than four wheels, so a motorcycle or moped needs its own policy or an endorsement drafted for it. Being the named insured does not help, because the exclusion is written around the vehicle rather than the driver. Reporting the bike to the insurer would not cure it either, since the policy simply is not built for two wheels.
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