Póliza de Auto PersonalPregunta 394 de 531
A resident teenager takes the family's listed sedan without asking a parent first and causes an accident. Part A liability coverage:
a.Is void, since the parents did not give consent
b.Applies, a family member drove a covered auto
c.Excludes him, as he had no permission
d.Applies only to the property damage portion here
Explicación
The exclusion for using a vehicle without a reasonable belief of being entitled to do so has an exception for a family member using a covered auto that the named insured owns. The teenager is a family member driving the listed sedan, so Part A responds in full rather than for property damage alone. The exclusion is aimed at a stranger who takes a car, not at a household member's use of the family vehicle.
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