Which of the following is excluded under personal auto liability coverage?

The exclusion of intentional acts causing damage to another individual or property is foundational in personal auto liability coverage. This type of coverage is designed to protect the insured against accidents that occur unintentionally; it does not cover damages that result from the insured's deliberate actions.

By excluding intentional acts, the policy aligns with the basic principle that insurance is meant to address unforeseen and accidental events rather than to provide protection for actions that the insured has consciously chosen to undertake. This exclusion serves to deter individuals from relying on insurance for damages arising from their own wrongful conduct and helps maintain the overall integrity of the insurance system.

In contrast, accidental damages caused to another's property, injury to passengers in the insured vehicle, and medical payments to others are typically covered under personal auto liability policies, as these scenarios are consistent with the intent of providing financial protection against unexpected and negligent incidents.