1. 1265 POINTS
    Drew Delaney, J.D., CLCS
    Commercial Lines Producer, Secure Investors Group, INC, Troy, Michigan
    This depends upon what you mean by accidental damage.  

    If you mean accidental damage to a person, i.e. medical payment coverage, then yes that will covered up to the state sub-limit.  

    If you mean accidental physical damage caused by you, then more than likely not.  Accidental is not always negligent.  Typically accidental is considered intentional gone wrong and all intentional acts are excluded.

    In summary, if it is an accidental damage to a person, then yes; but, if it is accidental damage to property, then more than likely no.
    Answered on July 30, 2013
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