Which of the following is NOT an exclusion under Part A of the Personal Auto Policy?

The correct answer is that vehicles with less than four wheels are not an exclusion under Part A of the Personal Auto Policy. Part A of the Personal Auto Policy (PAP) typically provides liability coverage for bodily injury and property damage caused by an insured vehicle. This section outlines various exclusions that apply to the policy; however, vehicles with fewer than four wheels do not automatically fall under these exclusions.

In the context of the personal auto policy, coverage is generally designed for standard passenger vehicles, which are defined as those with four or more wheels. Vehicles with less than four wheels, such as motorcycles and scooters, might require a different type of policy specifically tailored for those vehicles, but this does not imply an exclusion under Part A of the PAP itself.

The other options are indeed typical exclusions. Intentional injury or damage is excluded because insurance is not designed to cover intentional acts that cause harm. Damage to the insured's owned or transported property is excluded to prevent the insured from profiting from their own loss, and injury to an employee is excluded due to workers’ compensation laws which provide coverage for workplace injuries and establish separate liability frameworks. Thus, the focus on four-wheeled vehicles clarifies that this is not an exclusion under Part A, making it the correct