Who is NOT covered by Liability coverage under Karen Wilson's Personal Auto policy?

Liability coverage under a Personal Auto policy generally protects the insured from legal responsibility for bodily injury or property damage caused to others while operating the insured vehicle. The coverage typically applies to family members and individuals who have permission to use the vehicle.

In the case of a teenaged neighbor using the car without permission, liability coverage does not extend to them. The key aspect here is the lack of permission; if someone operates a vehicle without the owner's consent, they are not considered an authorized user, and thus, they would not be covered by the policy's liability provisions. This aligns with the standard practices of most auto insurance policies, which require that users have the owner's permission to be covered under liability provisions.

In contrast, family members using the car and friends using it with the owner's permission typically enjoy coverage under the liability provisions. Similarly, a repairman driving the car for service would be covered if they have been authorized by the insured to use the vehicle.