Which coverage covers claims alleging intentional torts such as false arrest, detention, or invasion of privacy?

• A. Personal injury liability
• B. Property damage liability
• C. Medical payments
• D. Care liability

Answer: (A)

Personal injury liability covers non-physical harms to people, such as false arrest, detention, or invasion of privacy. These are claims about a person’s rights or reputation rather than damage to property or physical injury, so they fit this type of coverage best. Property damage liability handles damage to others’ property, medical payments covers medical expenses for injuries that occur, and care (custody and control) liability deals with damage to property while it’s in the insured’s care. So for claims arising from wrongful acts that affect a person’s rights or dignity, personal injury liability is the appropriate protection.