Which scenario would exclude a person from first-party benefits?

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Multiple Choice

Which scenario would exclude a person from first-party benefits?

Explanation:
In first-party no-fault benefits, the aim is to compensate an insured for medical expenses and wage loss from auto accidents regardless of fault, but there is a clear exclusion: injuries that the insured intentionally causes. That makes the scenario where someone intentionally injures themselves excluded from first-party benefits. The other situations involve injuries from accidents or ordinary circumstances (even if weather or seat-belt use is involved) and do not reflect intentional harm, so they stay within the scope of first-party coverage. The key idea is that no-fault benefits cover accidental injuries, while intentional harm by the insured is not compensable.

In first-party no-fault benefits, the aim is to compensate an insured for medical expenses and wage loss from auto accidents regardless of fault, but there is a clear exclusion: injuries that the insured intentionally causes. That makes the scenario where someone intentionally injures themselves excluded from first-party benefits. The other situations involve injuries from accidents or ordinary circumstances (even if weather or seat-belt use is involved) and do not reflect intentional harm, so they stay within the scope of first-party coverage. The key idea is that no-fault benefits cover accidental injuries, while intentional harm by the insured is not compensable.

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