Which of the following is NOT covered under Part A of a Personal Auto Policy?

Prepare for the Florida Certified Insurance Representative Exam. Use multiple choice questions and detailed explanations to enhance your study sessions. Improve your chances of success!

Part A of a Personal Auto Policy is primarily designed to cover bodily injury liability, which includes injuries to others in an accident for which the insured is responsible. The focus is on legal liability related to injuries and damages caused to third parties.

The correct choice indicates that wages lost due to an accident are not covered under Part A. This is because Part A specifically addresses bodily injury liability towards others, including medical expenses and legal liability for injuries, but does not extend to cover any wages lost by the insured individual due to their own injuries from an accident.

In contrast, the other options pertain to different scenarios. Injury to the policyholder itself would typically fall under the uninsured motorist coverage or personal injury protection, while damage to a friend's car may fall under property damage liability, which is also not the focus of Part A. Bodily injury to others, however, is a primary function of Part A, emphasizing the liability that the insured faces for someone else's injuries as a result of an accident they caused. Thus, the inclusion of lost wages in Part A would be misaligned with its intended coverage focus.

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