Which of the following would NOT be covered under the liability section of a personal auto policy?

The liability section of a personal auto policy primarily provides coverage for bodily injury and property damage that the insured is legally liable for as a result of the use of a covered vehicle. This includes scenarios involving the insured’s personal vehicle, where they may cause bodily injury to others through negligent actions.

The reason the scenario involving bodily injury from driving a three-wheel all-terrain vehicle is not covered under the liability section is that a personal auto policy usually covers only vehicles that are classified as private passenger vehicles, motorcycles, or pickups and vans that are used for personal use. An all-terrain vehicle (ATV) is generally not included in this definition, as it is considered a different category of vehicle. Therefore, any liability arising from operating an ATV would typically fall outside the purview of standard personal auto insurance coverage.

On the other hand, bodily injury caused by the insured's negligence and while using a personal vehicle are both situations that clearly fit within the liability coverage parameters. Participating in sanctioned races would also generally be covered, given the nature of the event and usage of the vehicle.