Which of the following is an exception to liability coverage exclusions under a personal auto policy?

In a personal auto policy, liability coverage generally excludes certain scenarios to limit the insurer's exposure to claims that fall outside the intended coverage. One key exception to these exclusions is bodily injury or property damage caused accidentally by the insured. This inclusion is essential because the primary purpose of liability coverage is to protect the insured from claims resulting from their unintentional actions while operating a vehicle.

When the insured accidentally causes bodily injury or property damage to another party, the liability coverage is activated to provide financial protection. This aspect of the policy is crucial for ensuring that individuals have a safety net in place for unforeseen incidents that occur while driving, adhering to the policy's goal of protecting the public from the actions of negligent drivers.

The other options represent situations that are typically excluded from coverage. Damage to property owned by the insured, for instance, is excluded to prevent conflicts of interest within the policy, since the insured is typically expected to cover their own losses. Similarly, damage to property being transported by an insured may not be covered as this often relates to commercial activities rather than personal use. Lastly, bodily injury to a company employee, when Workers Compensation benefits are available, is excluded because such claims are generally managed through Workers’ Compensation insurance, designed specifically for workplace-related injuries.