Coverage G - Voluntary Payment for Damage to Property will respond in which instance?

The coverage under Coverage G - Voluntary Payment for Damage to Property is designed to respond to situations where an insured person is legally liable for property damage but chooses to pay the damaged party to avoid legal complications or as an act of goodwill. In this instance, the correct option involves the insured's 10-year-old son deliberately breaking the neighbor's window, which presents a clear case of liability.

In cases where the insured is responsible for the actions of their minor child, such as vandalism or intentional damage, the insurance may cover the voluntary payment made to the neighbor for the window damage. This coverage is particularly relevant as it acknowledges the legal responsibility of parents for their children's actions, especially when those actions result in property damage.

Other scenarios, while potentially damaging, do not fit the criteria for Coverage G. For instance, damaging one's own property or instances where the damage is a result of rage or behavior unrelated to a third party's claim do not trigger this coverage.