Los Angeles Claims Adjuster Property and Causality Practice Exam

Which type of designed coverage does not apply to unintended bodily injury caused during transportation?

1. General Liability Coverage

2. Property Damage Coverage

3. Mobile Equipment Coverage

4. Commercial Auto Coverage

The correct answer is: Mobile Equipment Coverage

Mobile Equipment Coverage is the correct choice in this scenario because it primarily addresses specific types of machinery and equipment that are not typically covered under standard auto or general liability policies. This coverage is designed to protect equipment used off public roads, such as bulldozers or forklifts, but it does not extend to vehicles primarily used for transportation purposes or unintended bodily injury that might occur as a result of using this equipment during transport. In contrast, General Liability Coverage provides protection against a wide array of claims including bodily injury and can cover incidents that occur during transportation if they are a result of the insured's operations. Property Damage Coverage specifically covers damages to another party's property caused by the insured. Commercial Auto Coverage is designed to cover vehicles used for business purposes, including potential bodily injuries arising from vehicle accidents. Due to the specific focus of Mobile Equipment Coverage, it does not encompass the unintended bodily injury that can occur during transportation, making it the most appropriate choice in this context.