Which of the following is explicitly included in the PAP liability coverage?

The correct choice reflects a key principle of Personal Auto Policies (PAP), which provide liability coverage for damages that the insured (INSD) causes to third parties while operating a motor vehicle. Specifically, liability coverage is designed to protect against claims made by others for bodily injury and property damage arising from the insured's negligent actions.

When the insured operates their vehicle negligently and causes damage to someone else's property, such as another vehicle, a fence, or other structures, that damage falls under the liability coverage provided by the PAP. This coverage is critical as it helps safeguard the insured from financial loss resulting from claims made against them due to their driving behavior.

The other options do not fit the criteria for coverage under a PAP liability policy. For instance, damage to the insured's own property or intentional acts are not covered, as liability insurance focuses on protecting against unintended harm done to others. Therefore, the inclusion of damages caused to third parties' properties due to negligence aligns perfectly with the purpose of liability coverage in a Personal Auto Policy.