Your family has gathered for Thanksgiving and the only way to get through this holiday is to drink alcohol. (Beginning at breakfast). By the end of the celebration people leave intoxicated. One of your least favorite relative gets in a car accident; damages their vehicle and the vehicle that they ran into. Your relative sues you for the loss due to your forcing her to drink all night. How would this be covered?
There is coverage for this loss under the Personal Auto Policy carried by the insured.