Which of the following is an example of a supplementary coverage in the PAP?

Supplementary coverage in a Personal Automobile Policy (PAP) refers to additional benefits provided to policyholders that go beyond the basic coverages included in the policy. In this context, the coverage for loss of earnings due to an accident is considered a supplementary coverage because it offers financial support for lost income directly resulting from an accident. This type of coverage helps to protect the insured's financial well-being while they are unable to work due to their injuries.

While other options may seem relevant, they either represent standard coverages provided under a PAP, such as rental car coverage or protection for specialty vehicles, or they pertain to restoration or replacement of vehicles as part of basic coverages. These aspects do not provide the same level of financial assistance for income loss as supplementary coverages do. Therefore, loss of earnings due to an accident stands out as the correct representation of supplementary coverage within the PAP framework.