In what scenario would an insured party not be eligible for liability coverage?

Liability insurance is designed to cover damages that the insured party is legally obligated to pay as a result of unintentional actions that cause harm to others. When it comes to intentional harm, the fundamental principle of liability coverage comes into play: insurance is not intended to protect individuals who engage in deliberate wrongdoing.

In the case of intentional harm caused to another party, this would fall outside the scope of coverage because liability insurance operates on the premise of accident and negligence. Insurers typically exclude any claims that arise from intentional acts, as this undermines the purpose of insurance, which is to provide protection for unforeseen incidents rather than to enable or cover the costs of willful misconduct.

In contrast, the other scenarios involve unintentional actions or are related to self-inflicted damage, which liability insurance is designed to address. For example, accidentally damaging a neighbor's property is a covered situation in which the insured could be liable. Similarly, while bodily injury caused to oneself does not fall under liability coverage, it highlights the distinction between personal injury liability and self-injury. Lastly, damages incurred while driving can also fall under liability coverage if they result from negligence or an accident, but not from intentional actions.

Thus, intentional harm is the key factor that delineates the