There are a number of important exclusions that help define coverage under the Liability section of the Personal Auto policy.
Excluded are: BI or PD caused intentionally by the insured.
Damage to property owned or being transported by the insured.
Damage to property rented to, used by or in the care of the insured.
BI to an insured's employees (these losses are covered under Workers Compensation).
Liability arising out of an insured's ownership or operation of a vehicle used as public or livery conveyance, such as taxi.
This exclusion does not apply to a share-the-expense carpool.
Liability arising while the insured auto is being used in an auto business.
Use of a vehicle without permission (does not apply to family members using covered autos owned by the insured).
BI or PD for which an insured is covered under a Nuclear Energy Liability policy.
Motorized vehicles with fewer than four wheels designed for use off public roads (does not apply to non-owned golf carts).
Vehicles other than covered autos that are owned by the named insured or furnished for the named insured's regular use.
Vehicles other than covered autos that are owned by family members or furnished for their regular use (does not apply to the named insured).
Vehicles used in prearranged racing or speed contests.
Examples of Exclusions: Theresa uses her car as a taxicab.
One evening, she hits a parked car while puling into a parking place to pick up a passenger.
Mad as a hornet because the newspaper carrier never delivered the morning paper on time, Joe deliberately runs over the boy's bicycle while it is parked at the edge of Joe's driveway.
Jerry's teenage son backs into his car with one of the other family autos, damaging both autos While riding his motorcycle through the neighborhood, Greg hits a parked car, damaging the car's bumper and grille.
Bill is the named insured.
His 18-year-old son Jeff, who lives at home, has been furnished a van by the pizza restaurant that employs him.
One day, while driving the van off duty, Jeff strikes and injures a pedestrian.
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