Which of the following losses would be excluded under the Liability section of a Personal Auto policy?

In the context of a Personal Auto policy, liability coverage is designed to protect the insured against claims for bodily injury or property damage that they may cause to others in an automobile accident. The key aspect of liability coverage is that it applies when the insured is deemed responsible for damage to someone else's property or injury to another party.

In the scenario where the insured backs out of her garage and runs over her son's new bike, the damage to the bike is not a liability loss because it pertains to property that the insured owns or has a personal interest in. Personal Auto insurance liability excludes coverage for damages to property owned by the insured, their family members, or other individuals residing in the same household. Therefore, this incident does not involve harm to another party’s property, making it an excluded loss under the liability section.

In contrast, the other scenarios involve potential liabilities to third parties: hitting a parked car could result in liability for damages to someone else's vehicle, damage to tires due to road debris generally doesn't trigger liability (it's covered under damage to the insured's own vehicle), and being injured in an accident pertains to personal injury rather than liability for a third party's damages. Thus, they do not represent the same exclusion as the damage to the bike in option three