Irene Morrill: The following is a general exclusion applicable to Parts 5-12
5. For injury or damage that is intentionally caused by you, a household member or anyone else using your auto with your consent.
The PIP exclusion is:
Anyone who contributed to his or her injury by operating an auto (a) while under the influence of alcohol, marijuana, or a narcotic drug, (b) while committing a felony or seeking to avoid arrest by a police officer, or (c) with the specific intent of causing injury to himself, herself or others.
Part 4 doesn’t have the exclusion but in the first paragraph – insuring agreement it states:
We will also pay if someone else using your auto with your consent is legally responsible for the accident.
And the MAP has a definition of accident:
Accident – means an unexpected, unintended event that causes bodily injury or property damage arising out of the owner- ship, maintenance or use of an auto.
Agent: Thank you for your help!
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