Personal Auto Policy第 384 / 474 题
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
解析
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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同考点相关题目
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- After a covered accident the insured is arrested and bail is set at $500. Under the supplementary payments, the insurer pays:
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- An insured borrows a friend's boat trailer, and while it is hitched to the insured's car the trailer is crushed. Under Part A the $9,000 of damage is:
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