Which of the following is NOT covered under the liability section of the Personal Auto Policy?

The choice that is not covered under the liability section of the Personal Auto Policy is intentional injury or damage. This is because personal auto policies, like many liability insurance policies, expressly exclude coverage for damages that arise from intentional acts. Liability insurance is designed to cover accidents and unintentional harms that occur as a result of the insured’s actions while operating a vehicle.

In contrast, injuries caused by the insured, property damage from actions of the insured, and legal defense costs associated with liability claims are all typically covered under this section of the policy. Liability coverage is meant to protect against claims from third parties for bodily injury or property damage that the insured is legally obligated to pay. It operates under the principle of indemnity, compensating for unintentional damages while excluding coverage for deliberate or malicious acts.

Thus, when considering the parameters of liability coverage in the Personal Auto Policy, intentional acts fall outside these protections, making this choice the correct response to the question.