In which scenario would a business auto policy cover liability from pollutant escape?

A business auto policy is designed to provide liability coverage in the event of accidents and incidents involving company vehicles. In the scenario where a delivery truck discharges diesel into a stream after an accident, this falls under the coverage of the business auto policy because it involves a direct incident resulting from the use of the vehicle.

The key aspect here is that the discharge of pollutants (in this case, diesel) is a direct consequence of an auto accident involving a licensed vehicle. Business auto policies often include coverage for liability resulting from vehicle use that leads to pollution, especially if the pollutants are released as a direct result of a collision or accident.

In contrast, the other scenarios involve actions or failures that may not be directly linked to a collision or accident in the same way. For instance, a truck transporting chemicals that spills during a route may not necessarily involve an incident that qualifies for liability coverage under the policy; it could be seen as part of the normal operation of transporting products. Similarly, a truck leaking oil during maintenance and a delivery vehicle involved in a traffic accident causing spills may not directly connect to a situation that would trigger liability coverage focused on pollution from an accident.

Therefore, the scenario of a delivery truck discharging diesel into a stream as a result of