# Property & Casualty Exam Prep 29, Personal Auto Liability Coverage

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-29-personal-auto-liability-coverage
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-29-personal-auto-liability-coverage.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-07-01T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/e14ebd04-e493-4719-ace5-a25433af1719.mp3
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JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/property-casualty-exam-prep-29-personal-auto-liability-coverage
Duration seconds: 175

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Part A Liability coverage pays for bodily injury and property damage caused to others, never for the insured's own damages. - Who is considered an "insured," including the named insured, resident family members, and those with permissive use. - How to interpret split limits (e.g., 25/50/25) for per-person bodily injury, per-accident bodily injury, and per-accident property damage. - That permissive use can be voided if the vehicle is used for business or by an excluded driver. - That defense costs and supplementary payments, like for bail bonds, are paid in addition to the policy's liability limits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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