Auto InsuranceQuestion 24 of 215
Which of the following losses is specifically EXCLUDED under Part A Liability of the Personal Auto Policy?
a.Bodily injury caused by negligent driving to a permitted user
b.Bodily injury or property damage intentionally caused by an insured
c.Damage to property of a stranger pedestrian struck while driving
d.Damages owed because of vicarious liability for a family member's negligence
Explanation
Intentional acts are excluded under Part A — the policy responds only to accidental loss. Other exclusions include damage to property owned, transported, or rented to the insured (with limited exceptions), liability arising from delivery of goods for compensation (ride-share/delivery without endorsement), use of vehicles with fewer than four wheels, and racing on a track. Negligent driving causing injury to a permitted user or pedestrian is exactly what Part A is designed to cover.
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