What is excluded from coverage under a personal auto policy?

Intentional acts of the insured are excluded from coverage under a personal auto policy because insurance is designed to provide protection against unforeseen and accidental events. When an individual intentionally causes damage or injury, it goes against the fundamental principle of indemnity, which is the basis of insurance coverage. This exclusion ensures that the insurer is not liable for losses resulting from the insured's deliberate actions, thus protecting the integrity of the insurance system.

Damage to personal property, vehicles not listed in the policy, and driving under the influence can all lead to certain limitations or denial of claims in various circumstances, but they do not represent a blanket exclusion like intentional acts do. For instance, damage to personal property might be covered under some conditions, while a vehicle not listed might be considered an underinsured or unrecognized risk, potentially leading to partial coverage. Driving under the influence may affect coverage or lead to increased premiums, but it does not remove coverage entirely in the same way that intentional acts do.