What scenario would be covered under liability on a personal auto policy?

The scenario that would be covered under liability on a personal auto policy involves actions that cause harm to others or their property due to your operation of the vehicle. In this case, when an insured intentionally drives into another vehicle, the liability coverage is triggered because it pertains to damage caused to a third-party vehicle as a result of the insured's actions.

Liability coverage is designed to protect the policyholder against claims from third parties for bodily injury or property damage. In this situation, the insured’s act of driving into another car directly results in property damage, which falls squarely under the parameters of liability coverage.

Other scenarios, such as injuries sustained by a passenger, typically fall under medical payments or personal injury protection, while accidental damage to the insured's vehicle would be covered under collision coverage, not liability. Damage caused to a third-party property as a result of theft could have additional complexities regarding coverage depending on the circumstances, but it does not directly relate to the operation of the vehicle itself under liability provisions.