If Brian is accused of intentionally damaging another vehicle, what is true about his coverage under his PAP?

In situations where a policyholder is accused of intentionally damaging another vehicle, the coverage under the Personal Auto Policy (PAP) typically provides a specific course of action for the insurer. If the insurer defends the policyholder, it indicates that there is a duty to provide legal representation in the event of a lawsuit related to the incident.

In many instances, the insurer will still step in to defend the policyholder, even if the accusation involves intentional actions, as the legal process can be complex and may not clearly establish intent at the onset. If it is later determined that the claim falls within the scope of coverage—for instance, if there is evidence that the damage was not intentional—then the insurer may also be responsible for covering damages.

Thus, if the coverage language in the PAP supports the scenario where the insurer must both defend the policyholder and cover damages if coverage applies, that makes the selection correct. It emphasizes the principle that even when facing serious allegations, the insurer has obligations unless an exclusion in the policy applies directly to the incident in question.