What type of coverage does Part D of the PAP provide?

Part D of the Personal Auto Policy (PAP) specifically addresses coverage for damages to your auto. This section of the policy includes two main types of coverage: collision and other-than-collision (often referred to as comprehensive coverage).

Collision coverage pays for damages to the insured vehicle resulting from a collision with another vehicle or object, while comprehensive coverage protects against damages caused by non-collision incidents such as theft, vandalism, or natural disasters. This distinction makes it clear why the answer focusing on damages to your auto is the correct choice, as it directly aligns with the purpose of Part D.

Other options refer to different forms of coverage. Liability protection involves coverage for damages inflicted on others in an accident for which the insured is at fault. Medical payments cover medical expenses for injuries sustained by the driver and passengers in the insured vehicle, regardless of who is at fault. Uninsured motorist coverage provides protection when the insured is involved in an accident with a driver who has no insurance. Each of these alternative coverages serves different needs and is not encompassed by Part D of the PAP.