Personal Auto PolicyPregunta 384 de 474
An insured deliberately drives into another car after an argument, injuring the other driver. Part A liability coverage:
a.Applies in full, because the insured was operating a covered auto
b.Applies, but only up to the property damage limit
c.Applies once a court has convicted the insured of the offense
d.Does not apply, since injury caused on purpose is excluded
Explicación
Part A excludes bodily injury or property damage caused intentionally by or at the direction of an insured, because insurance responds to fortuitous accidents rather than deliberate harm. Operating a covered auto does not rescue the claim; the exclusion turns on intent, not on the vehicle. The answer that waits for a criminal conviction also misreads it, since the exclusion applies whether or not a court ever acts.
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