Which Part of the personal auto policy covers damage to your own vehicle?

• A. Part D
• B. Part B
• C. Part A
• D. Part C

Answer: (A)

Damage to your own vehicle is handled by the physical damage portion of a Personal Auto Policy, which includes both collision and comprehensive (other-than-collision) coverage. This part pays to repair or replace your car after a covered loss, subject to deductibles and limits. The other sections serve different protections: liability covers injuries or property damage you cause to others, medical payments covers medical costs for you and passengers, and uninsured/underinsured motorist protection covers scenarios where the other driver is at fault but lacks sufficient coverage. So, the concept here is that your own car’s damage is insured under the physical damage portion, not under liability or the other coverages.