In which situation would the insured NOT be indemnified by her liability coverage?

Indemnification under liability coverage is primarily intended to protect the insured from legal and financial consequences that arise due to their negligence or liability for damages caused to others. In the situation where the insured must pay a fee to retrieve relevant court documents, this expense does not typically fall under the umbrella of liability coverage. Liability coverage is designed to address damages and legal actions directed at the insured due to their actions that cause harm to others, not to cover administrative fees associated with legal processes.

In contrast, causing property damage to a neighbor or getting into an accident that totals the insured's car involves direct liabilities where the insured is responsible for compensating the affected party or incurs costs directly linked to their liability. These types of situations are precisely what liability coverage is intended to address. Therefore, since the retrieval of court documents does not constitute a damaging event or liability, it aligns with the concept that certain expenses do not fall under liability coverage provisions.