What does Liability coverage EXCLUDE under a Personal Auto policy?

Liability coverage under a Personal Auto policy is designed to protect the insured from financial loss if they are found legally responsible for causing injury to others or damaging their property. However, there are specific exclusions within this coverage.

One key exclusion is injury caused intentionally by the insured. This means that if the insured deliberately harms someone or damages property, the liability coverage will not provide protection. The rationale behind this exclusion is that insurance is meant to provide coverage for accidental or unintentional acts, not for intentional wrongdoing. Allowing coverage for intentional acts would go against the principle of insurance, which is to mitigate risk and provide protection for unforeseen events.

In terms of context, property damage caused by natural disasters, accidents involving uninsured vehicles, and injuries sustained by passengers in the insured vehicle typically fall within the scope of coverage under certain conditions, or may be addressed by other parts of the insurance policy, hence they are not excluded in the same way as intentional acts are.