Los Angeles Claims Adjuster Property and Causality Practice Exam

Coverage for bodily harm arising from intentional torts is provided under which category?

1. Medical Payments

2. Special Damages

3. Personal Injury

4. Advertising Injury

The correct answer is: Personal Injury

Bodily harm resulting from intentional torts falls under personal injury coverage. This type of coverage is designed to address claims that involve intentional acts that cause harm to someone, such as assault or invasion of privacy. Personal injury coverage extends beyond just physical injury and includes various offenses like emotional distress and false arrest. Medical payments, special damages, and advertising injury cover different aspects of liability and cannot be used to address bodily harm arising specifically from intentional torts. Medical payments typically cover medical expenses incurred due to bodily injury, regardless of fault, while special damages refer to tangible monetary losses incurred by a plaintiff. Advertising injury pertains to offenses related to commercial activities, such as misappropriation of advertising ideas or defamation in advertisements. Thus, the inclusion of bodily harm due to intentional acts is distinctly aligned with personal injury, making it the correct and most applicable category.