What type of damage is covered under PAP Part D?

Part D of the Personal Auto Policy (PAP) primarily deals with coverage for physical damage to the insured’s own vehicle. This includes both collision and other-than-collision (comprehensive) coverage.

Collision coverage pays for damages to the insured vehicle resulting from a collision with another vehicle or object, whereas comprehensive coverage protects against damages from non-collision-related incidents, such as theft, vandalism, or natural disasters. Because these protections are aimed at covering physical damage incurred by the insured's own vehicle, it is clear why "physical damage" is the correct answer.

Liability damage, property damage, and personal injury are elements covered under different parts of the PAP, but they do not fall under Part D, which is specifically designed for physical damage to the insured automobile itself.