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An insured backs his covered auto through the door of the garage attached to his own house, causing $6,000 of damage. Part A property damage coverage:
a.Pays the $6,000 as damage done to another party
b.Pays after the homeowners deductible is applied
c.Does not pay for property the insured owns himself
d.Pays half of it, since the insured is only a part owner
Giải thích
Liability coverage answers for damage to the property of others, and Part A specifically excludes property damage to property owned by or being transported by the insured. The garage belongs to the insured, so the loss belongs to his homeowners policy rather than to his auto liability limit. Treating it as third-party damage misses that a person cannot be liable to himself.
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