Which of the following is a common exclusion found in an auto insurance policy?

Intentional damage is a common exclusion found in an auto insurance policy because insurers seek to minimize risk and prevent policyholders from acting maliciously or irresponsibly. If a policyholder intentionally damages their vehicle or causes harm to others, the insurance company typically will not cover these costs, as they are considered a deliberate act rather than an accident.

This exclusion protects the insurer from having to pay for losses that arise from actions the policyholder chose to undertake intentionally. For example, if someone sets fire to their own car to collect insurance money, the policy would not cover that loss due to the intentional nature of the damage. Understanding this exclusion helps policyholders recognize that their insurance will only cover unforeseen accidents and not acts of willful damage.