Which of the following is an exclusion for liability coverage under Part A of the PAP?

Liability coverage under Part A of the Personal Auto Policy (PAP) is designed to protect the insured against claims for bodily injury and property damage for which the insured is legally responsible. However, certain exclusions apply to this coverage to limit the insurer's liability in specific situations.

Intentional injury to another person is a key exclusion because liability coverage is fundamentally intended to provide protection against unintentional harms. When an individual acts with intent to harm, it betrays the principle of negligence that the coverage relies upon. This exclusion helps prevent claims that arise from willful actions, thus maintaining the integrity of the insurance system by not compensating individuals for damages resulting from their intentional conduct.

The other options listed do not represent exclusions for liability coverage under Part A. For instance, bodily injury to a family member may indeed have limitations in terms of the specifics of coverage, but it is generally not excluded outright in the way that intentional harm is. Property damage from a covered auto accident is typically covered under liability provisions. Lastly, injury to a domestic employee is also not automatically excluded; it depends on the circumstances and specific policy terms but is often covered under employer's liability or workers' compensation rather than the PAP itself.

Understanding this distinction is crucial for properly interpreting insurance policies