Which of the following is NOT considered a Supplementary Payment under a Personal Auto policy?

Supplementary Payments in a Personal Auto policy refer to additional benefits provided to insured individuals beyond the basic coverage limits. This is designed to cover certain expenses that may arise from a covered accident or incident.

The correct answer, which identifies an item that is NOT considered a Supplementary Payment, is court-awarded legal damages. Supplementary Payments typically assist with costs related to the insured's defense and out-of-pocket expenses incurred due to a claim or injury, such as lost wages, medical expenses, and reasonable travel expenses for attending court or other necessary activities related to the incident.

Court-awarded legal damages, on the other hand, represent the financial compensation that a plaintiff is granted as a result of a lawsuit or legal claim. This amount is not an expense incurred by the insured, nor is it covered as an additional benefit in a Personal Auto policy. Therefore, it differs fundamentally from the supplementary payments, which aim to cover specific out-of-pocket costs rather than compensatory damages awarded through legal proceedings.