Mark purchased a boat owners package policy.While using his boat he negligently hit a pier. A person standing on the pier fell and was severely injured. Which of the boat owners package policy coverages will respond to a lawsuit filed as a result of this negligent act? A physical damage coverage B liability coverage C medical expense coverage D uninsured boaters coverage

## Step 1<br />The problem presents a situation where Mark, the owner of a boat, negligently hits a pier while using his boat. This action results in a person standing on the pier falling and getting severely injured. The question asks which coverage of Mark's boat owners package policy will respond to a lawsuit filed as a result of this negligent act.<br /><br />## Step 2<br />Let's analyze each option:<br /><br />### A. Physical damage coverage<br />This coverage typically covers the cost of repairing or replacing the boat if it is damaged. It does not cover injuries to other people.<br /><br />### B. Liability coverage<br />This coverage is designed to protect the boat owner from financial loss if someone is injured while on the boat, or if the boat owner is found legally responsible for damage or injury to another person. This coverage would apply in this case, as the person on the pier was injured due to the boat owner's negligence.<br /><br />### C. Medical expense coverage<br />This coverage typically covers the medical expenses of the boat owner and passengers on the boat. It does not cover injuries to other people.<br /><br />### D. Uninsured boaters coverage<br />This coverage protects the boat owner if they are involved in an accident with a boater who does not have insurance. It does not cover injuries to other people.<br /><br />## Step 3<br />Based on the above analysis, the correct answer is B. Liability coverage.