Which of the following losses is excluded under the general exclusions of a personal auto policy?

A personal auto policy (PAP) is designed to cover a variety of losses, but it also contains specific exclusions that limit coverage. Among these exclusions, damage caused intentionally by the insured stands out as a key reason for denial of claims. Insurance is based on the principle of indemnity and is meant to provide protection against unforeseen events, not losses arising from intentional acts. When an insured party deliberately causes damage or loss, it contradicts the underlying purpose of the insurance contract, which is to protect against accidental damages and losses.

Natural disasters are typically covered under a personal auto policy, depending on the specific circumstances, and as such would not be excluded. Accidental bodily injury to third parties is generally covered by liability provisions within the policy. Theft of the vehicle is often also covered unless specific exclusions apply, such as in cases of intentional behavior or failure to maintain reasonable care of the vehicle.

Thus, the correct exclusion reflects the principle that coverage does not extend to losses that occur due to the insured's own intentional actions. Understanding these exclusions is crucial for policyholders when it comes to claims and the responsibilities associated with their coverage.