The Bodily injury liability section of a Personal Auto Policy provides coverage for injuries to all of the following persons except:

Study for the PSI Property and Casualty Exam with flashcards and multiple choice questions. Each question has hints and explanations. Prepare effectively for your insurance licensing exam!

The Bodily Injury Liability section of a Personal Auto Policy is designed to provide coverage for damages the insured is legally responsible for following an accident that causes injury to others. This typically includes occupants of other vehicles, pedestrians, and passengers in the insured vehicle.

In the context of the given question, the correct answer—those excluded from coverage—refers to the named insured being struck by an insured vehicle. This scenario represents a situation where the named insured is seeking benefits for their own injuries resulting from an accident involving their own vehicle, which is not covered under the Bodily Injury Liability section. Instead, the named insured would typically rely on their own medical payments or personal injury protection coverage, if available, for personal injuries.

This aspect of liability coverage emphasizes that it is designed to protect against claims made by others for bodily injuries rather than providing direct compensation to the insured party for their own injuries sustained in an auto accident.

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