Louisiana P&C Adjuster Practice Exam

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What type of coverage does Coverage L in a Personal Liability Supplement provide?

Property damage only
Bodily injury only
Bodily injury and property damage to third parties
Coverage for intentional acts

The correct answer is: Bodily injury and property damage to third parties

Coverage L in a Personal Liability Supplement is designed to provide protection against both bodily injury and property damage claims that may be brought against the insured by third parties. This means that if an incident occurs where someone is injured or their property is damaged due to the insured's actions (or negligence), this coverage will help cover the legal costs and any settlements or judgments issued. This dual coverage is crucial for protecting the policyholder from potential financial loss resulting from accidents and incidents that affect others. It ensures that the insured has a safety net in place for a variety of situations that could lead to personal liability claims. Understanding the scope of Coverage L helps policyholders appreciate the level of protection they have, ensuring they are better prepared should they need to file a claim or face a lawsuit regarding accidental harm or damage they are responsible for.