What losses are excluded from coverage in the liability section of the Personal Auto Policy?

In the liability section of the Personal Auto Policy, intentional injury or damage is specifically excluded from coverage. This exclusion is in place because liability coverage is designed to protect individuals from unintentional harm they may cause to others or their property. Intentional acts are usually within the control of the insured, and insurance is generally not intended to cover deliberate actions that result in harm or damage.

Liability coverage would typically cover incidents which are accidental in nature, meaning they arise without intent. For example, if someone accidentally causes an injury while driving, that would be covered under the liability portion. However, if an individual intentionally causes harm—such as an assault or deliberately damaging someone else's property—insurance policies will not provide coverage for these actions, reinforcing the principle that individuals should be responsible for their own malicious conduct.

The other options do not represent exclusions under the liability section. Property damage from natural disasters, accidental injuries to passengers, and vehicle theft may have varying coverage options under different parts of the policy or additional coverage, depending on the circumstances.